At 7:30 PM ET on Monday, we will be playing the Michigan Wolverines (288) minus the points versus the Washington Huskies (287) in the National Championship Game. THE SITUATION: Michigan (14-0) advanced to the National Championship Game with their 27-20 victory in overtime against Alabama as a 2-point favorite on Monday. Washington (14-0) joined them in this showdown with their 37-31 upset victory against Texas as a 3.5-point underdog on Monday. This game is being played at NRG Stadium in Houston, Texas.

REASONS TO TAKE THE WOLVERINES MINUS THE POINTS: Michigan survived their sloppiest game of the season — and probably the worst special teams performance in the Jim Harbaugh era — to rally and beat the Crimson Tide. The Wolverines muffed a punt in the first quarter that led to Alabama scoring a touchdown. They flubbed an extra point and then missed a field goal to spot Alabama another four points. And then Michigan almost suffered their most embarrassing loss in the history of their athletic program — putting Chris Webber’s time out to rest — when punt returner Jake Thaw muffed that punt with under two minutes to go which almost handed the Crimson Tide the winning score. But Thaw salvaged the moment with a great play by recovering the ball and avoiding the safety to keep his team alive for overtime. The surprising aspect to those events is that the Wolverines have been outstanding with their special teams this season — they ranked fourth in the nation in ESPN’s Bill Connelly’s SP+ rankings for special teams before that game and still rank seventh afterward . I suspect that was a nightmare outlier that will not be repeated. Moving to their matchup with the Huskies, this Michigan program has been built to compete against an explosive pass-first offense like what Washington has since it closely resembles Ohio State under head coach Ryan Day — and the Wolverines have dominated the Buckeyes for three straight seasons. While the Ohio State team this season did not have a quarterback as nearly as accurate and effective as the Huskies’ Michael Penix, the Wolverines successfully dealt with the Buckeyes’ CJ Stroud who was throwing to at least two future first-round draft picks at wide receiver. Michigan has two high draft picks cornerback Will Johnson and slot corner Mike Sainristil to address Washington’s outstanding trio of wide receivers. Defensive coordinator Jesse Minter has been great in deploying sophisticated blitz schemes coming from all angles like the Wolverines’ previous defensive coordinator Mike MacDonald is now executing with the Baltimore Ravens. After sacking Alabama’s Jalen Milroe six times last week, they have 16 sacks in their last four games. The Huskies won the Joe Moore Award for the best offensive line in the nation — but redshirt freshman Parker Brailsford is a weak link at center. Senior defensive tackle Kris Jenkins was considered Michigan’s best defensive lineman before the season started but he may have been overtaken by sophomore defensive tackle Mason Graham. If — and when — the Wolverines establish pressure in the middle, then Penix may experience more disruption than he has all season, especially since the inside pass rush is most lethal to quarterbacks. If these contests between elite teams are decided by who wins the physical battle at the line of scrimmage, Michigan has the edge after proving themselves against Ohio State and now Alabama. Schematically, the Wolverines threw a wrinkle at the Crimson Tide by deploying three wide receivers and then relying heavily on pre-snap motion to divorce the Alabama defenders from their coaches' instructions. Nick Saban lamented afterward that Michigan’s reliance on the traditional huddle actually hurt his coaching since it delayed the deployment of their scheme and afforded him not enough time to communicate adjustments to his defensive players on the fly. Washington’s defense is not at that level — but the Wolverines returning to their base two tight-end formation will allow them to play heavy while being comfortable using tempo and going to a passing attack since both their tight ends, Colston Loveland and A.J. Barner, will get drafted into the NFL because of their pass-catching skills. Michigan’s bread-and-butter is inside zone rushing plays — and the Huskies went into the playoff ranking 132nd in Opponent Offensive Line Years and 129th in Opponent Rush Success Rate. Running back Blake Corum (and Donovan Edwards, little used versus Alabama only because of the game script and the 11 personnel wrinkle) is poised for a big game. The Wolverines have covered the point spread in 15 of their last 20 road games after a straight-up win — and they have covered the point spread in 5 of their last 6 games after playing a game that finished Over the Total. One of the underrated aspects of this Michigan team is their lack of mistakes (making the special teams blunders on Monday such an aberration). They have only committed eight turnovers all season after the one blunder with the punt return against Alabama (with their only multi-turnover game occurring in September against Bowling Green) — and they have not committed a turnover in nine of their games this season. The Wolverines have covered the point spread in 24 of their last 35 games after not committing more than one turnover in their last game — and they have covered the point spread in 21 of their last 30 games after not committing more than one turnover in two straight contests. Furthermore, Michigan ranks second in the nation by committing only 40 penalties all season and averaging just 26.2 penalty Yards-Per-Game. The Huskies have failed to cover the point spread in 10 of their last 12 games on the road against teams who do not commit more than 42 penalty YPG. And while the Wolverines led the nation by allowing only 243.1 YPG, they held their opponents to just 4.3 Yards-Per-Play — and Washington has failed to cover the point spread in 19 of their last 27 games against teams who do not allow more than 4.5 YPP. I appreciate — and I have spent a few days considering — that Penix is similar to Joe Burrow whose transcendent talents can elevate everyone around him. On the other hand, the power of the Regression Gods is usually more powerful in the end — so I worry about the Huskies perfect 8-0 record in one-possession games being a bubble that is about to burst. While I think the Huskies' defense is underrated, one cannot hide around the fact that they allow 407.4 YPG — and they have given up 414.0 YPG in their last three games. The margin for error is so small for Penix — and Michigan has five defensive touchdowns and relied on their special teams to turn games in their favor (even after Monday’s debacle). Washington surrendered 498 yards against the Longhorns — and they have failed to cover the point spread in 5 of their last 7 games after allowing 475 or more yards in their last game. They almost gave the game away to Texas in those final few minutes which questions their championship mettle. While they will come into the game hopeful and confident, they lack experience at this level — and that makes a difference against a Wolverines that made winning this game their goal after losing in the semifinals the last two seasons. And then there is the injury to running back Dillon Johnson who could not stand on his injured foot/leg at the end of the game on Monday. He is listed as probable in the National Championship, but if he is not close to 100 or re-injures this lingering ongoing for him late in the season, then the Huskies will be left one-dimensional since his 222 carries overwhelms his backup, freshman Tybo Rogers’ 43 carries.

FINAL TAKE: Michigan has covered the point spread in 5 of their last 6 games against teams with a winning record — and they have covered the point spread in 4 of their last 5 games on a neutral field when favored. 25* College Football Game of the Year with the Michigan Wolverines (288) minus the points versus the Washington Huskies (287). Best of luck for us — Frank.

At 8:45 PM ET on Monday, we will be playing the Washington Huskies (282) plus the points versus the Texas Longhorns (281) and in the Sugar Bowl and Semifinals of the College Football Playoffs. THE SITUATION: Washington (13-0) remained unbeaten this season with their 34-31 upset victory against Oregon as a 9.5-point underdog in the Pac-12 Championship Game on December 1st. Texas (12-1) has won seven games in a row after their 49-21 victory against Oklahoma State as a 14.5-point favorite in the Big 12 Championship Game on December 2nd. This game is being played at the Caesars Superdome in New Orleans.

REASONS TO TAKE THE HUSKIES PLUS THE POINTS: Texas is riding high after their triumph in the Big 12 Championship Game — but they have failed to cover the point spread in 6 of their last 9 games after beating two or more conference rivals in a row. They have also failed to cover the point spread in 23 of their last 33 road games after winning five or more games in a row. And while they have covered the point spread in three straight games, they have then failed to cover the point spread in 5 of their last 8 games after covering the point spread in two or more games in a row. Quarterback Quinn Ewers passed for 452 yards against the Cowboys in the Big 12 Championship Game — but Texas has failed to cover the points spread in 5 of their last 7 games after passing for 350 or more yards in their last contest. Longhorns’ safety Derek Williams, Jr. will miss the first half of this game after getting suspended during the Big 12 Championship Game for targeting — and that will leave a suspect Texas secondary even more vulnerable. The Longhorns rank 86th in the nation in Passing Explosiveness Allowed. The Huskies generate 470.4 total Yards-Per-Game with 344 of those yards coming in the air. Texas has failed to cover the point spread in 7 of their last 11 games against opponents generating 450 or more YPG — and they have failed to cover the point spread in 10 of their last 15 games against teams who average 250 or more passing YPG. Washington has covered the point spread in 7 of their last 11 games after winning three or more games in a row against Pac-12 opponents. And while the Huskies have not turned the ball over more than once in five straight games, they have then covered the point spread in 4 of their last 5 games after not turning the ball over more than once in four or more games in a row. Washington’s defense looks ugly when it comes to the advanced metrics — but they did only allow 23.6 Points-Per-Game this season. That unit played better later in the season once they started getting healthier — I think this is an underrated unit. The Huskies will have the better quarterback on the field in Michael Penix, Jr. who outdueled Bo Nix twice in their two showdowns with Oregon. The Huskies rank 6th in Passing Success Rate — and they rank 7th in the nation in Rushing Success Rate to keep defenses honest. Running back Dillon Johnson averages more than 3.0 Yards after contact. The Washington offensive line won the Joe Moore Award for the best offensive line in the country — and this was a unit that protected Penix for just five pressures in his 55 dropbacks in the Alamo Bowl last season against Texas which the Huskies won by a 27-20 score. Washington leads the nation with a pressure-to-sack ratio of only 3.2%. Penix will have plenty of time to pick apart this vulnerable Longhorns pass defense. The Huskies have covered the point spread in 7 of their 10 games against teams outside the Pac-12 — and they have covered the point spread in 9 of their last 12 games with the Total set in the 56.5-63 point range.

FINAL TAKE: The Longhorns have failed to cover the point spread in 7 of their last 11 games against teams winning 75% or more of their games. 10* CFB Texas-Washington ESPN Special with the Washington Huskies (282) plus the points versus the Texas Longhorns (281). Best of luck for us — Frank.

At 5:00 PM ET on Monday, we will be playing the Michigan Wolverines (280) minus the points versus the Alabama Crimson Tide (279) in the Rose Bowl and College Football Playoff Semifinals. THE SITUATION: Michigan (13-0) remained unbeaten this season with their 26-0 victory against Iowa as a 21.5-point favorite in the Big Ten Championship Game on December 2nd. Alabama (12-1) has won 11 games in a row after their 27-24 upset victory as a 5.5-point underdog against Georgia in the SEC Championship Game on December 2nd. This game is being played at the Rose Bowl in Pasadena, California.

REASONS TO TAKE THE WOLVERINES MINUS THE POINT(S): There have been plenty of casual dismissals of this Michigan team despite their being ranked at the top of most analytics-based power rankings. Anonymous Big Ten coaches were quoted in an article in The Athletic earlier this month where they predicted an easy Alabama victory. It’s funny how these coaches know more about the intricacies of the Crimson Tide than they do the Wolverines considering Michigan has won 24 games in a row in conference play. There are a lot of haters in the Big Ten against Jim Harbaugh right now — epitomized by the moral panic surrounding the pending investigation regarding overzealous sign decoding schemes (every football team attempts to “steal” signs — and it is mostly a legal practice). Any doubt that the Wolverines' recent success was due to an illegal or unethical theft of inside information was debunked in November when they soundly defeated Penn State and Ohio State. Critics downplay their strength of schedule — but the Nittany Lions and Buckeyes are widely considered two of the top-ten teams in the nation and that Iowa team they beat in the Big Ten Championship Game had the best statistical defense in the nation. The passing game was not nearly as explosive at the end of the season with the Wolverines not passing for more than 147 yards in four straight games — but that is a whine about style points. With offensive coordinator Sherrone Moore serving as the interim head coach in three of those games, Michigan stuck to what was working with a methodical rushing attack that protected their lead. Only throwing the ball eight times against Penn State but still winning on the road by nine points is a sign of domination. Quarterback J.J. McCarthy was dealing with some nagging injuries in those games so not exposing him to more hits was a way to help set up their playoff run. The Wolverines still scored more points against Ohio State, Penn State, and Iowa than any other opponent — those are all top-ten defenses in the nation. McCarthy now claims he is back to 100% — and the Wolverines may unleash their passing attack that was explosive against Ohio State and TCU last year as well as Michigan State and Purdue this season. Critics also reference Michigan’s six-game losing streak in bowl games. The loss in the playoffs against Georgia two years ago was not unexpected — but last year’s loss to TCU was reflective of an arrogant offensive game plan that was compounded by McCarthy throwing two pick-sixes. Both Harbaugh and McCarthy have waited all season to redeem themselves from that game — and the entire team should benefit from their recent playoff experience that these Alabama players do not have. The other four bowl game losses mean next to nothing since they were pre-COVID and during a period when Harbaugh began using lesser-tiered bowl games as the audition for the upcoming season. Three straight victories against Ohio State demonstrate Harbaugh can prepare his team for big games. Michigan has been the most consistent team in the country this season. While they want to win behind their dominant offensive line and two-headed monster of running backs Blake Corum and Donovan Edwards, McCarthy has demonstrated he can win games with his arm and with his mobility. The Wolverines' defense is elite after allowing only 239.8 total Yards-Per-Game and 9.5 Points-Per-Game. Harbaugh claimed there are at least 17 players on the roster who will be drafted into the NFL in April. While Michigan does not recruit at the level of Alabama, their player development takes a back seat to no program. The Wolverines have covered the point spread in 14 of their last 19 games after a straight-up win — and they have covered the point spread in 20 of their last 28 games after a victory against a Big Ten rival. Protecting the football has been a priority since the loss to TCU last year. Michigan has only seven turnovers all season — and they did not turn the ball over in nine of their games including against Ohio State and Iowa. They have covered the point spread in 23 of their last 34 games after not turning the ball over more than once in their last game. Alabama deserves plenty of credit for upsetting Georgia — but the narrative all season was how down this team was from previous seasons. They needed a miracle final pass play from Jalen Milroe to beat Auburn. And while Milroe improved as offensive coordinator Tommy Rees adapted his game plans for his skill set, and he struggles with accuracy and reading defenses. He had only one Big Time Throw and seven turnover-worthy plays in his 62 passes in the 10-19 yard range. His offensive line is not as stout as in previous seasons — they ranked 128th in sacks allowed. The wide receiver unit has lacked elite talent for two years and is no longer an NFL factory. The secondary remains outstanding — but the defensive line is not nearly as stout. Alabama ranks 58th in the nation in Opponent Offensive Line Yards — and they rank 103rd in Stuff Rate. They have struggled against mobile quarterbacks like Auburn’s Payton Thorne who is not as dangerous as McCarthy. The Crimson Tide have failed to cover the point spread in 11 of their last 17 games after an upset victory. And while they have covered the point spread in eight of their last ten games, they have then failed to cover the point spread in 4 straight games after covering the point spread in eight or more of their last ten games.

FINAL TAKE: Minnesota head coach P.J. Fleck declared that this Michigan team may be the best college team he has ever coached against after playing them earlier in the season. I think the notion of SEC dominance is already dead in the NIL and transfer portal era. What was Georgia’s best win this season? What was Alabama’s second-best win? Are they being elevated because of legacy? Granted, the same can be said about Michigan and Ohio State — and that is where laptops come in which generally project a point spread larger than the market’s betting line. The Buckeyes might have outplayed Georgia in the semifinals last year (and won that game if Marvin Harrison does not get injured). The Wolverines have covered the point spread in 7 straight games with the Total set in the 42.5-49 point range. Alabama has failed to cover the point spread in 5 straight games on a neutral field as an underdog of three points or less. 25* CFB New Year’s Six Bowl Game of the Year with the Michigan Wolverines (280) minus the points versus the Alabama Crimson Tide (279). Best of luck for us — Frank.

At 1:00 PM ET on Monday, we will be playing the Iowa Hawkeyes (275) plus the points versus the Tennessee Volunteers (276) in the Citrus Bowl. THE SITUATION: Iowa (10-3) had their four-game winning streak snapped in their 26-0 loss to Michigan as a 21.5-point underdog in the Big Ten Championship Game on December 2nd. Tennessee (8-4) ended their two-game losing streak in a 48-24 victory against Vanderbilt as a 27-point favorite on November 25th. This game is being played at Camping World Stadium in Orlando, Florida.

REASONS TO TAKE THE HAWKEYES PLUS THE POINTS: Iowa is many bettor’s Kryptonite because of their anemic offense — and they are an even uglier underdog coming off a shutout loss to Michigan. But the Hawkeyes defense is one of the best in the nation — and they are balanced as they rank 12th in the nation in Opponent Rush Success Rate Allowed and 7th in Opponent Pass Success Rate Allowed. They held their opponents to only 274.8 total Yards-Per-Game resulting in just 13.2 Points-Per-Game. Iowa also has an elite special teams unit. The key to playing against a Kirk Ferentz-coached team is to not play aggressively since they feast on mistakes — but I am not sure that is in Tennessee head coach Josh Heupel’s DNA, especially in a bowl game with little at stake. Given that Heupel is turning to his blue-chip freshman quarterback Nico Iamaleava in this game only compounds this potential problem for the Volunteers. Look for much of Iowa’s scoring coming from exploiting mistakes Tennessee makes in this game. The Hawkeyes have covered the point spread in 11 of their last 15 games after a point spread loss including four of these last five circumstances. They have not allowed more than 264 yards in their last two games after the Wolverines only managed to gain 213 yards against them — and they have covered the point spread in 5 of their last 6 games after not allowing more than 275 yards in two or more games in a row. Admittedly, Iowa has not scored more than 15 points in three straight games — but they have covered the point spread in 10 of their last 14 games after not scoring more than 17 points in three or more games in a row. And while they have only averaged 234.4 total Yards-Per-Game in their last three games, they have then covered the point spread in 6 of their last 9 games for failing to average more than 250 YPG in their last three contests. The Hawkeyes' only significant player not playing in this game is wide receiver Diante Vines who entered the transfer portal. The Iowa offensive line is healthy again after the month off. Tennessee has had some defections that will be impactful. Quarterback Joe Milton has opted out of this game which is why Iamaleava is getting his shot. The Volunteers will also be without their top two running backs after Jaylen Wright and Jabari Small opted out of this game. Additionally, the Tennessee defense has taken some hits with defensive end Tyler Baron, safety Wesley Walker, and cornerback  Doneiko Slaughter heading the long list of players that entered the transfer portal. The Volunteers surrendered 376.6 YPG and 27.8 PPG in their five games away from home. Tennessee has failed to cover the point spread in 11 of their last 17 games after a straight-up win at home — and they have failed to cover the point spread in 10 of their last 14 games after a win at home by 17 or more points. They have failed to cover the point spread in 10 of their last 16 games after scoring 42 or more points in their last game. And while they outgained the Commodores by +311 net yards, they have then failed to cover the point spread in 7 of their last 11 games after outgaining their previous opponent by +225 or more YPG.

FINAL TAKE: Ferentz has won ten bowl games in his long tenure at Iowa — and the Hawkeyes have covered the point spread in 4 straight games as an underdog getting 3.5 to 10 points. Tennessee has failed to cover the point spread in 4 of their last 5 games played on a neutral field when laying 3.5 to 7 points. 10* CFB New Year’s Day Afternoon Discounted Deal with the Iowa Hawkeyes (275) plus the points versus the Tennessee Volunteers (276). Best of luck for us — Frank.

At 8:00 PM ET on Friday, we will be playing the Ohio State Buckeyes (264) minus the points versus the Missouri Tigers (263) in the Cotton Bowl. THE SITUATION: Ohio State (11-1) looks to rebound from their 30-24 loss at Michigan as a 3-point underdog on November 25th. Missouri (10-2) has won three games in a row after their 48-14 win at Arkansas as a 9-point favorite on November 24th. This game is being played at AT&T Stadium in Arlington, Texas.

REASONS TO TAKE THE BUCKEYES MINUS THE POINTS: Ohio State outgained the Wolverines by a +38 net yards but was held back by a -2 net turnover margin. The Buckeyes have covered the point spread in 20 of their last 28 games after a straight-up loss. This team is dealing with several opt-outs and transfers. Wide receiver Marvin Harrison, Jr. and defensive tackle Mike Hall are opting out for the NFL. The long transfer portal list includes starting quarterback Kyle McCord, wide receiver Julian Fleming, and reliable running back Chip Trayanum. But Ohio State still has plenty of high-end talent playing in this game who are future NFL players. Star running back TreVeyon Henderson has decided to play in this game — and that speaks loudly as to how seriously this team is treating this contest. Wide receiver Emeka Egbuka is playing and will use this game to showcase his skills as the clear number one option. The defense still has defensive end Jack Sawyer, defensive tackle Tyleik Williams, and cornerbacks Denzel Burke and Jordan Hancock. This bowl game offers head coach Ryan Day to begin auditioning for starting jobs for next season. Perhaps the biggest beneficiary of bowl practices is redshirt freshman quarterback Devin Brown. While he lost the competition for the starting job to McCord in the spring, his athleticism still got him onto the field for 72 snaps including some important goal-line sequences before he got injured in the Penn State game. Brown is yet another blue-chipper — and he may not be a drop off from McCord whose up-and-down play led to him leaving the program (for Syracuse!). Ohio State does significantly better than Missouri in recruiting season after season. Look for defensive coordinator Jim Knowles to get back to his roots regarding aggressive schemes after he scaled things back after Michigan and Georgia consistently burned them on explosive plays. The Buckeyes have not forced more than one turnover in seven straight games — but they have covered the point spread in 16 of their last 22 games after playing three or more games in a row after failing to force more than one turnover in a game. Additionally, Ohio State has covered the point spread in 4 of their last 5 games when getting two or more weeks of rest and preparation. Missouri only gained 370 total yards against the Razorbacks despite scoring 48 points. The Tigers have failed to cover the point spread in 5 of their last 8 games after a win on the road by 28 or more points — and they have failed to cover the point spread in 4 of their last 6 games after a win by 21 or more points. Their win against Arkansas came after a 33-31 win against Florida the previous week — but they have failed to cover the point spread in 4 straight games after playing two or more games in a row where 60 or more combined points were scored. Missouri was one of the surprise teams in the country this season — they pulled off three upset victories to reach ten wins. They also benefited from a 4-0 record in games decided by one scoring possession — and they also enjoyed a +4 net turnover margin. First-year offensive coordinator Kirby Moore did a nice job installing game plans that put junior quarterback Brady Cook into a position to succeed — and five-start wide receiver Luther Burden III is a future NFL start. But the Buckeyes have studied these schemes for a month. The Tigers' defense will be down to starters with cornerback Ennis Rakestraw and linebacker Ty’ron Hopper dealing with injuries.

FINAL TAKE: Missouri has failed to cover the point spread in 16 of their last 20 games in December -- and they have failed to cover the point spread in 9 of their last 14 games in non-conference play. Ohio State has covered the point spread in 4 of their last 5 games on a neutral field with the Total set at 49.5-52. 25* College Football Game of the Month is with the Ohio State Buckeyes (264) minus the points versus the Missouri Tigers (263). Best of luck for us — Frank.

At 3:30 PM ET on Friday, we will be playing the Memphis Tigers (261) plus the points versus the Iowa State Cyclones (262) in the Liberty Bowl. THE SITUATION: Memphis (9-3) won for the fifth time in their last six games with their 45-21 victory at Temple as a 13-point favorite on November 24th. Iowa State (7-5) has won two of their last three games after their 42-35 upset win at Kansas State as a 10-point underdog on November 25th. This game is being played at the Tigers home field at the Liberty Bowl Memorial Stadium in Memphis, Tennessee.

REASONS TO TAKE THE TIGERS PLUS THE POINTS: Memphis hosts this game — and while I do not expect a rowdy afternoon crowd for this game, I find much of the home-field advantage in football coming from familiarity and lack of travel which the Tigers will enjoy for this contest. The Tigers won four of their five home games this season to extend their home winning streak since 2017 to 29-5 straight-up — and they have a 55-11 record at home in the last ten seasons. Furthermore, Memphis has covered the point spread in 5 of their last 6 games at home as an underdog getting 7.5 to 10 points. The Tigers have played four straight Overs after their final regular season game with the Owls flew Over the 64-point Total — and they have covered the point spread in 9 of their last 10 games after playing four or more Overs in a row. Head coach Ryan Silverfield is dealing with some missing players including two starters on the offensive line who are in the transfer portal. But junior quarterback Seth Henigan is playing after passing for 3519 yards with 28 touchdown passes, four rushing touchdowns, and only nine interceptions. He has his two favorite targets for this game in Roc Taylor and Demeer Blankumsee who combined for 1806 receiving yards and 10 touchdowns. Running back Blake Watson is also playing in this game after rushing for 104 yards with 14 touchdowns. Memphis ranked tenth in the nation in Points-Per-Play on offense while generating 453.2 total Yards-Per-Game and 39.7 Points-Per-Game. The Cyclones struggle against potent offensive teams as they have failed to cover the point spread in 9 of their last 11 games against opponents who generate 450 or more YPG. To make matters worse, they will be without their star cornerback T.J. Tampa who opted out for this game to prepare for the NFL draft. Iowa State has failed to cover the point spreading in 12 of their last 17 games after a straight-up win — and they have failed to cover the point spread in 8 of their last 11 games after a straight-up win against a Big 12 rival. They have failed to cover the point spread in 5 of their last 7 games after scoring 37 or more points in their last game. They have also failed to cover the point spread in 6 of their last 9 games after winning four or five of their last six contests. The Cyclones have also failed to cover the point spread in 11 of their last 17 games in the second half of the season.

FINAL TAKE: Iowa State Matt Campbell usually gets the most out of his roster - but the overall athleticism on the roster remains a question that was only made worse by the gambling scandal that impacted the team early in the season. It is telling that the Cyclones have failed to cover the point spread in 13 of their last 19 games against teams with a winning record — and they have failed to cover the point spread in 9 straight games against teams winning 75% or more of their games. 10* CFB Memphis-Iowa State ESPN Special with the Memphis Tigers (261) plus the points versus the Iowa State Cyclones (262). Best of luck for us — Frank. 

At 9:15 PM ET on Thursday, we will be playing the Oklahoma Sooners (256) plus the points versus the Arizona Wildcats (255) in the Alamo Bowl. THE SITUATION: Oklahoma (10-2) has won three games in a row after their 69-45 victory as a 10-point favorite against TCU on November 24th. Arizona (9-3) has won six games in a row with their 59-23 victory at Arizona State as a 10.5-point favorite on November 25th. This game is being played at the Alamodome in San Antonio, Texas.

REASONS TO TAKE THE SOONERS PLUS THE POINTS: Oklahoma has two new faces playing big roles with their offense since the victory against the Horned Frogs. Offensive coordinator Jeff Libby left the program to take the head coaching job at Mississippi State — so head coach Brent Venables tapped offensive analyst Seth Littrell as the new play-caller and offensive coordinator. Venables hired Littrell after he was let go as the North Texas head coach. He has previous experience as an offensive coordinator at Arizona, Indiana, and then North Carolina which got him the head coaching gig at North Texas. He runs an Air Raid offense as well — so there should be no drop-off. Quarterback Dillon Gabriel entered the transfer portal and will play at Oregon next season — so that opens the door for the Sooners to begin the Jackson Arnold era. The five-star freshman is considered a potential future first-round draft pick in the NFL. He completed 18 of 24 passes this season for 202 yards with an 8.4 Yards-Per-Attempt average with two touchdown passes and no interceptions. He is a threat with his legs as well with 78 rushing yards in his limited time on the field — and he thrives in operating within inside zone read rushing schemes. The Wildcats are vulnerable in this area — they allowed an Opponent Success Rate of 41% against inside zone rushing plays. If this was an early September game, Arnold would be given much respect — and after a few weeks of practice with the first team for bowl prep after being with the team all year, he should be ready to roll. Oklahoma has a long transfer and opt-out list — but the biggest losses are three starters on the offensive line. Arnold still has great weapons at his disposal in Drake Stoops, Nic Anderson, and Jalil Farooq. The defense got some great news when junior linebacker Danny Stutsman and junior safety Billy Bowman both announced they were returning for their senior seasons — and both are playing in this game. Oklahoma has covered the point spread in 5 of their last 6 games after covering the point spread in a victory as a double-digit favorite. They have also covered the point spread in 5 of their last 6 games after a game where both teams scored 30 or more points. The Sooners have covered the point spread in 13 of their last 16 games on the road after allowing 42 or more points in their last game. Additionally, Oklahoma has covered the point spread in 8 of their last 11 games against teams outside the Big 12 — and they have covered the point spread in 5 of their last 7 games with the Total set in the 56.5-63 point range. Arizona may be due for an emotional letdown after their surprising regular season in the Pac-12 where they upset Oregon State, UCLA, and Utah. The Wildcats have failed to cover the point spread in 8 of their last 10 games after winning five games in a row — and they have failed to cover the point spread in 7 straight games on the road after scoring 35 or more points in a victory over a Pac-12 rival. Arizona covered the point spread in ten of their twelve games this season — but they have failed to cover the point spread in 12 of their last 14 games after covering the point spread in five or six of their last seven contests. Before beating the Sun Devils to conclude their regular season, they upset Utah by a 42-18 score — but they have then failed to cover the point spread in 6 straight games after winning two games in a row by double-digits against Pac-12 opponents. They have also failed to cover the point spread in 12 of their last 13 games on the road after scoring 37 or more points in their last two contests. The offense improved when head coach Jedd Fisch turned to redshirt freshman Noah Fifita as his starting quarterback — but the underlying metrics do raise some concerns. He had seven “Big Time” throws but eight turnover-worthy plays despite only five interceptions. That negative ratio is worrisome — especially with the Sooners given a month of preparation time. Fifita has a low adjusted completion percentage of 34% on his 38 throws of 20 or more air yards. To compound matters, Arizona star left tackle Jordan Morgan opted out for this game leaving the blind side duties to sophomore Joseph Borjon who only was involved in 175 plays this season.

FINAL TAKE: Arizona has failed to cover the point spread in 9 of their last 13 bowl games — and they have failed to cover the point spread in 6 of their last 8 games when favored on a neutral field. Oklahoma has covered the point spread in 4 of their last 5 games played on a neutral field. 10* CFB Thursday Late Show Bailout with the Oklahoma Sooners (256) plus the points versus the Arizona Wildcats (255). Best of luck for us — Frank.

At 9:00 PM ET on Tuesday, we will be playing the UNLV Rebels (240) plus the points versus the Kansas Jayhawks (239) in the Guaranteed Rate Bowl. THE SITUATION: UNLV (9-4) has lost two games in a row after their 44-20 loss at home to Boise State as a 2.5-point underdog in the Mountain West Conference Championship Game. Kansas (8-4) snapped a two-game losing streak with their 49-16 victory at Cincinnati as a 7-point favorite on November 25th. This game will be played at Chase Field in Phoenix, Arizona.

REASONS TO TAKE THE REBELS PLUS THE POINTS: UNLV has covered the point spread in 8 of their last 9 road games after playing a game where 60 or more combined points were scored. The Rebels have allowed 477.0 total Yards-Per-Game in their last three contests — but they have then covered the point spread in 18 of their last 23 road games after allowing 475 or more YPG in their last three contests. Operating the GoGo offense under offensive coordinator Brennan Marion, the Rebels are generating 425.0 YPG and 34.7 PPG when playing on the road. The GoGo approach operates without a huddle with heavy pre-snap motions while deploying almost every formation imaginable to confuse their opponents. Kansas held the Bearcats to just 111 passing yards in their final regular season game — but they have then failed to cover the point spread in 18 of their last 25 games after allowing no more than 125 passing yards in their last game. The Jayhawks generated 562 yards of offense in that game — but they have then failed to cover the point spread in 4 of their last 6 games after gaining 525 or more yards in their last game. The program has since lost offensive coordinator Andy Kotelnicki who left the for same job at Penn State — so head coach Lance Leipold elevated quarterbacks coach Jim Zebrowski was elevated to co-offensive coordinator and veteran OC Jeff Grimes was already hired to be the new offensive coordinator and will coach this game. The offense also suffered a blow with starting left tackle Dominick Puni opting out for this game leaving them having to start a freshman to protect quarterback Jason Bean’s blind side. The Jayhawks rushed for 312 yards against Cincinnati — but they have then failed to cover the point spread in 13 of their last 21 games after rushing for 300 or more yards in their last game. And while they rushed for 234 yards in their previous game against Kansas State, they have then failed to cover the point spread in 11 of their last 17 games after rushing for 225 or more yards in two straight games. The Jayhawks give up their share of points — when playing away from home, their opponents are generating 430.6 total Yards-Per-Game resulting in 28.0 Points-Per-Game. One of their problems is they do not stop drives by forcing turnovers — they have not forced more than one turnover in four straight games.

FINAL TAKE: UNLV has covered the point spread in 8 straight games against teams outside the Mountain West Conference. 8* CFB Tuesday Late Show Bailout with the UNLV Rebels (240) plus the points versus the Kansas Jayhawks (239). Best of luck for us — Frank.

At 5:30 PM ET on Tuesday, we will be playing the Rice Owls (238) plus the points versus the Texas State Bobcats (237) in the First Responder Bowl. THE SITUATION: Rice (6-6) won their final two games of the season after a 24-21 victory against Florida Atlantic as a 4-point favorite on November 25th. Texas State (7-5) snapped their two-game losing streak with a 52-44 upset win against South Alabama as a 6-point underdog on November 25th. This game is being played at the Gerald Ford Stadium in Dallas, Texas.

REASONS TO TAKE THE OWLS PLUS THE POINTS: This is an important game for Rice after they won their final two games of the season to become bowl-eligible. Winning this game would secure the Owls their first winning season in their six seasons under head coach Mike Bloomgren. They reached a bowl game last year despite a 5-7 record but lost 38-24 to Southern Mississippi in what was their first bowl game in eight seasons. Bloomgren is recruiting well — and this game offers an opportunity to showcase his program to a national audience and potential recruits. It is telling that he has no players opting out or entering the transfer portal. Sixth-year senior quarter J.T. Daniels did announce his retirement from college football due to medical reasons — but the offense is in good hands in redshirt freshman  A.J. Padgett who has 225 snaps under his belt after starting the last few games. Padgett completed 24 of 37 passes for 255 yards with three touchdowns and one interception against FAU. Padgett started in the Owls’ bowl game last year — and this start gives him a head start to claim the starting QB job next season. Rice usually builds off their momentum. They have covered the point spread in four of their last six games — and they have covered the point spread in 4 of their last 5 games after covering the point spread in four or five of their last six contests. And while they outgained FAU by +194 net yards, they have then covered the point spread in 5 of their last 7 games after outgaining their previous opponent by +175 or more Yards-Per-Game. They did not force a turnover in that game — but they have then covered the point spread in 6 of their last 8 games after not forcing more than one turnover in their last contest. Florida Atlantic did average 6.49 Yards-Per-Play against them — but Rice has covered the point spread in 11 of their last 17 games after allowing their previous opponent to generate 6.25 or more YPP. Texas State will be playing in their first-ever bowl game in what has been a triumphant season under first-year head coach G.J. Kinne. But the Bobcats have failed to cover the point spread in 9 of their last 13 games after a straight-up win — and they have failed to cover the point spread in 5 of their last 7 games after a straight-up win against a conference opponent. Texas State generated 479 total yards against the Jaguars in their previous game — but they have failed to cover the point spread in 5 of their last 7 games after gaining 475 or more yards in their last contest. They have also failed to cover the point spread in 6 of their last 7 games after scoring 50 or more points in their last game. The Bobcats have a dynamic offense — but they are vulnerable against good passing teams as they rank 105th in Opponent Pass Success Rate Allowed. Rice ranks 28th in Pass Success Rate. The Owls should be able to slow down the Texas State passing attack as well — they rank 35th in Opponent Pass Success Rate Allowed.

FINAL TAKE: Rice has covered the point spread in 6 of their last 7 games as an underdog — and they have covered the point spread in 8 of their last 10 games when playing on field turf which is the surface at Gerald Ford Stadium. 10* CFB First Responder Bowl ESPN Special with the Rice Owls (238) plus the points versus the Texas State Bobcats (237). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the Air Force Falcons (226) plus (or minus) the points versus the James Madison Dukes (225) in the Armed Forces Bowl. THE SITUATION: Air Force (8-4) limps into this game on a four-game losing streak after their 27-19 loss at Boise State as a 7-point underdog on November 24th. James Madison (11-1) rebounded from their first loss of the season to Appalachian State with a 56-14 victory at Coastal Carolina as an 8.5-point favorite on November 25th. This game is being played at Amon G. Carter Stadium in Fort Worth, Texas.

REASONS TO TAKE THE FALCONS PLUS THE POINTS: Air Force opened their campaign with eight straight victories before a demoralizing 24-3  loss to Army that jeopardized their ability to claim their second-straight Commanders Cup. Senior quarterback Zac Larrier then got injured the next week at Hawai’i and did not play in the final two games of the regular season which played a big role in the Falcons slide. Larrier is expected to take the field this afternoon after taking part in bowl practices and being listed atop the quarterback depth chart of head coach Troy Calhoun. Air Force generated 33.6 Points-Per-Game during their eight-game winning streak while scoring at least 30 points five times — so Larrier’s return is a big boost to their offensive attack as the former 200-meter track champion is a threat with his legs in the flexbone system. And with Larrier’s arm, this offense led the nation in Passing Explosiveness for the times they did go to the air. The Falcons will also bring a very good defense with them that held their opponents to 278.8 total Yards-Per-Game and 17.9 PPG. Air Force ranks 34th in the nation in Opponent Rush Success Rate Allowed and 30th in Opponent Pass Success Rate Allowed. The Falcons have covered the point spread in 6 of their last 7 games on a neutral field as an underdog getting up to three points. Air Force should have close to a full roster for this game with opt-outs and transfers rarely an issue for service academy programs — and the injury list is light. James Madison has many players entering the transfer portal — but all of these players are still playing in this game as they try to end a great season on a high note. But they will not have head coach Curt Cignetti who left the program to take the Indiana head coaching job — and he took offensive coordinator Mike Shanahan, quarterbacks coach Tino Sunseri, and defensive coordinator Bryant Haines with him. Offensive line coach Damian Wroblewski serves as the interim head coach — but only four other assistant coaches remain which required the program to hire five temporary coaches to help prepare for this game. I don’t love that dynamic for the Dukes — and I have no idea how effective the coaching will be on defense to address the unique Air Force flexbone triple option attack. It is fair to say that this is less than ideal. James Madison has failed to cover the point spread in 4 of their last 5 games after a double-digit win — and they have failed to cover the point spread in 4 of their last 5 games after winning four or five of their last six games. And while they held a 28-0 halftime lead against the Chanticleers in their last game, they have then failed to cover the point spread in 6 of their last 9 games after not allowing more than three points in the first half of their last game. Having senior quarterback Jordan McCloud under center one more time before he transfers away from the program certainly helps — but while the Dukes’ passing attack ranked fifth in Passing Success Rate, they ranked just 91st in Pass Explosiveness. Their rushing game ranked just 101st in Rushing Explosiveness as well.

FINAL TAKE: While many think the name of the game in handicapping college bowl games is assessing “motivation”, I consider that folly. First, it just guessing — and if you are guessing, you are losing. Most of the time, there is a lack of evidence for the guess since it is impossible to read the hearts and minds of the players. Secondly, the oddsmakers already take the “motivation” narrative into account — so basing bets on that analysis is actually counter-productive since one is simply doubling down on that guess.  That said, I suspect the James Madison players will be motivated. But we don’t have to guess about Air Force as Calhoun consistently has his teams ready to play in bowl games. Here is actual evidence: the Falcons have covered the point spread in 16 of their last 24 games in December including 11 of their last 17 bowl games. They have covered the point spread in 8 of their 12 bowl games under Calhoun — and that is a trend that refutes the trendy conventional wisdom that Air Force loses its strategic edge with their unique offensive schemes since their opponents have more time to prepare. 25* CFB Group of Five Game of the Year with the Air Force Falcons (226) plus (or minus) the points versus the James Madison Dukes (225). Best of luck for us — Frank.                                              

At 6:30 PM ET on Friday, we will be playing the Georgia Tech Yellow Jackets (220) plus the points versus the Central Florida Knights (219) in the Gasparilla Bowl. THE SITUATION: Georgia Tech (6-6) has lost two of their last three games after their 31-23 loss to Georgia as a 24-point underdog on November 25th. Central Florida (6-6) has won three of their last four games after their 27-13 victory against Houston as a 14-point favorite on November 25th. This game is being played at Raymond James Stadium in Tampa Bay, Florida.

REASONS TO TAKE THE YELLOW JACKETS PLUS THE POINTS: Georgia Tech was inconsistent this season — they upset Miami (FL) and North Carolina while playing Georgia close but got blown out by Clemson and Ole Miss while losing by double-digits to Bowling Green. This is an important game in the first full season under head coach Brent Key — so I look for a strong effort tonight. The biggest question I had for this team in my offseason deep dive regarded whether their 4-4 record after Key took over as the interim head coach last season was a product of a genuine turnaround of the program or just the proverbial dead cat bounce after the end of the Geoff Collins four-era era with the program? Key seems to have this program moving in the right direction. With former Texas A&M transfer Hunter King at quarterback, the Yellow Jackets finally found a consistent offensive identity in the aftermath of moving away from the Paul Johnson triple option era of the last decade that led to hiring Geoff Collins from Temple to attempt to oversee the transition to a pro-style offense. Georgia Tech generated 432.7 total Yards-Per-Game resulting in 31.2 Points-Per-Game. King tossed 26 touchdown passes. The primary strength of the offense comes from their rushing attack which ranks 22nd in the FBS in Rushing Success Rate and sixth in Offensive Line Yards. They have rushed for 200 or more yards in five of their last six contests. The Yellow Jackets have covered the point spread in 4 of their last 5 games after a straight-up loss — and they have covered the point spread in 8 of their last 9 games after losing two of their last three games. They have also covered the point spread in 6 of their last 8 games as an underdog. Central Florida gained 476 total yards in their win against the Cougars — but they have then failed to cover the point spread in 9 of their last 14 games after gaining 475 or more yards in their last game. They have also failed to cover the point spread in 10 of their last 15 games after a point spread victory. They have also failed to cover the point spread in 8 of their last 12 games after not allowing more than 14 points in their last game. Led by quarterback John Rhys Plumlee, the Knights enjoy a good balanced offense — but the Yellow Jackets should have success running the ball against them. Central Florida ranks 124th in Opponent Rush Success Rate Allowed and 112th in Opponent Offensive Line Yards Allowed. They allowed four Big 12 foes to rush for at least 200 yards against them including Kansas to rolled up 399 rushing yards against them. The Knights have failed to cover the point spread in 8 of their last 9 games when favored by 3.5 to 10 points.

FINAL TAKE: The transfer portal and opt-out situation for this game are relatively minor and pretty balanced. UCF will miss four players who entered the transfer portal with the biggest loss being starting cornerback Corey Thornton. Georgia Tech will be without defensive end Kyle Kennard and cornerback Kenan Johnson who are in the transfer portal. The Yellow Jackets have covered the point spread in 8 of their last 11 games on a neutral field as an underdog — and the Knights have failed to cover the point spread in 4 of their last 5 games on a neutral field as a favorite laying up to seven points. 10* CFB Gasparilla Bowl ESPN Special with the Georgia Tech Yellow Jackets (220) plus the points versus the Central Florida Knights (219). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the Miami (OH) Redhawks (205) plus the points versus the Appalachian State Mountaineers (206) in the Cure Bowl. THE SITUATION: Miami (OH) has won five games in a row after their 23-14 upset victory against Toledo as a 6.5-point underdog in the Mid-American Conference Championship Game on December 2nd. Appalachian State (8-5) had their five-game winning streak snapped in a 49-23 loss at Troy as a 5.5-point underdog in the Sun Belt Conference Championship Game on December 2nd. This game is being played at the FBC Mortgage Stadium in Orlando, Florida.

REASONS TO TAKE THE REDHAWKS PLUS THE POINTS: Miami (OH) will be using sophomore Henry Hesson at quarterback this afternoon given Aveon Smith’s decision to enter the transfer portal. Smith had been the team’s starting quarterback since Brett Gabbert suffered a season-ending leg injury. Frankly, while Smith was productive with his legs, he was not offering the RedHawks much offense in the passing game. Miami (OH) was always going to rely on the other two phases of the game. They are allowing only 16.2 Points-Per-Game this season while giving up just 326.7 total Yards-Per-Game. The RedHawks also have an outstanding special teams unit under head coach Chuck Martin. Miami (OH) has covered the point spread in 8 of their last 10 games after a straight-up win. Additionally, they have covered the point spread in 22 of their last 31 games after winning two or more games in a row — and they have covered the point spread in 30 of their last 41 games after winning three or more games in a row. They have also covered the point spread in 6 of their last 7 games after playing a game that finished Under the Total. The Total was set in the 43.5 range against the Rockets in the MAC Championship Game — and they held Toledo to only 97 rushing yards on 29 carries. The RedHawks have covered the point spread in 6 straight games after not allowing more than 100 rushing yards in their last game. Appalachian State may have trouble getting up for this game after getting blown out in their championship game. The Mountaineers have failed to cover the point spread in 6 of their last 9 games after a straight-up loss on the road — and they have failed to cover the point spread in 5 of their last 8 games after a straight-up loss to a Sun Belt Conference rival. And while Appalachian State had covered the point spread in four straight contests before the loss to the Trojans, they have then failed to cover the point spread in 14 of their last 22 games after covering the point spread in four or five of their last six contests. The Mountaineers are down four players who entered the transfer portal since that game with the biggest loss being their top running back Nate Noel who gained 834 rushing yards this season. Appalachian State is not a good defensive team as they allow their opponents to generate 389.9 total YPG which results in 28.4 PPG after Troy generated 463 yards against them — and they allow 30.9 PPG when playing on the road. The Mountaineers have failed to cover the point spread in 10 of their last 16 games in December.

FINAL TAKE: Appalachian State has failed to cover the point spread in 14 of their last 19 games when favorite — and Miami (OH) has covered the point spread in 5 of their last 6 games as an underdog getting 3.5-10 points. The RedHawks have also covered the point spread in all 4 of their bowl games under Martin’s tenure. 10* CFB Saturday Daily Discounted Deal with the Miami (OH) Redhawks (205) plus the points versus the Appalachian State Mountaineers (206). Best of luck for us — Frank.

At 3:00 PM ET on Saturday, we will be playing the Navy Midshipmen (104) plus the points versus the Army Black Knights (103). THE SITUATION: Navy (5-6) looks to bounce back from their 59-14 loss at SMU as an 18.5-point underdog on November 25th. Army (5-6) comes off a 28-21 upset victory as a 1-point underdog against Coastal Carolina on November 18th. This game is being played on a neutral field at Gillette Stadium in Foxboro, Massachusetts.

REASONS TO TAKE THE MIDSHIPMEN PLUS THE POINTS: Navy got outgained by -224 net yards against the Mustangs two weeks ago — but they have then covered the point spread in 6 of their last 9 games after getting outgained by -175 or more yards in their last game. The Midshipmen only managed to generate 3.61 Yards-Per-Play in that game — but they have then covered the point spread in 29 of their last 41 games after failing to generate more than 3.75 YPP in their last contest. And while SMU averaged 7.57 YPP in that game, Navy has covered the point spread in 8 of their last 12 games after allowing their last opponent to generate 6.25 or more YPP. The Midshipmen have also covered the point spread 8 of their last 9 games after failing to average at least 3.25 YPP in their last game while allowing their last opponent to average at least 6.75 YPP. Navy has a good run defense that ranks 32nd in the nation Opponent Rush Success Rate Allowed. The Midshipmen have not allowed more than 118 rushing yards in four straight games — and they have covered the point spread in 30 of their last 45 games after not allowing more than 125 rushing yards in two or more games in a row. They have also covered the point spread in 11 of their last 17 games after not allowing more than 125 rushing yards in three or more games in a row. In a game between two teams that average 46 and 48 rushing attempts per game respectively, the Midshipmen have the edge in run defense. Army ranks 93rd in the nation in Opponent Rush Success Rate Allowed — and they rank 116th in Opponent Rushing Explosiveness Allowed. Army allowed the Chanticleers to generate 7.68 YPP in their last game — and they have failed to cover the point spread in 5 of their last 6 games after allowing their previous opponent to generate at least 7.25 YPP. The Black Knights have also failed to cover the point spread in 44 of their last 65 games when playing off a bye week.

FINAL TAKE: Army has failed to cover the point spread in 13 of their last 19 games as a favorite — and they have failed to cover the point spread in 7 of their last 10 games played on a neutral field when favored by up to seven points. Navy has covered the point spread in 16 of their last 25 games as an underdog. 10* CFB Army-Navy CBS-TV Special with the Navy Midshipmen (104) plus the points versus the Army Black Knights (103). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Louisville Cardinals (322) plus the points versus the Florida State Seminoles (321) in the ACC Championship Game. THE SITUATION: Louisville (10-2) saw their four-game winning streak snapped in a 38-31 upset loss to Kentucky as a 7.5-point favorite last Saturday. Florida State (12-0) continued their unbeaten season with their 24-15 win at Florida as a 6.5-point favorite on Saturday. This game is being played on a neutral field at Bank of America Stadium in Charlotte, North Carolina.

REASONS TO TAKE THE CARDINALS PLUS THE POINTS: I was looking to fade the Seminoles even before the season-ending injury to senior quarterback Jordan Travis. Junior Tate Rodemaker is a big drop in talent — but now his presence in this game is doubtful after he suffered a concussion in last week’s game. He was not great even against subpar Florida defense as he completed 12 of 25 passes for 134 yards. He is a game-time decision — and even if miraculously passes the strict concussion protocols, he has a big challenge tonight. If Rodemaker cannot go, then it is freshman Brock Glenn who will get the start. On the plus side, Glenn was a four-star recruit out of Tennessee who flipped his commitment from Ohio State back to Florida State after long being a target by the Seminoles. However, in my deep dive into the recruiting archives on his history, I am seeing comments such as “will need a year or two of development” before being ready to play at the Power Five level — so this is far from ideal for someone playing against high school players last year. He missed three weeks of practice time due to injury — and he only has four pass attempts in game action this season. He is a pro-style quarterback who will run the ball with his above-average athleticism — but he is not a speedster. He had a proclivity to throw interceptions in high school. Florida State already faces tons of pressure of needing to win this game to make the College Football Playoff. They enjoyed a soft schedule after getting by LSU early in the season — and that was a game where Travis carried them with his play-making against what we would learn was a bad Tigers defense. The Seminoles were very fortunate to beat Clemson who outgained them by +118 net yards. They also got outgained in yardage by Boston College and Miami (FL) but pulled out games decided by one-scoring possession with Travis at quarterback. Florida State only ran for 90 yards last week on 31 carries despite needing to rely on their running backs given the Travis injury — and they have failed to cover the point spread in 4 of their last 5 games after failing to rush for more than 100 yards in their last game. While Trey Benson has rushed for a lot of yards, the Seminoles rank 109th in Rushing Success Rate. The problem is their offensive line as they rank only 123rd in the nation in Line Yards. Florida State has failed to cover the point spread in 3 of their last 4 games after winning eight or more games in a row. Louisville has an excellent defense that holds their opponents to 317.2 total Yards-Per-Game and 20.0 Points-Per-Game. They rank 14th in the nation in Opponent Success Rate Allowed. The Cardinals' defense is balanced as they rank 17th in Opponent Pass Success Rate Allowed and 16th in Opponent Rush Success Rate Allowed. They have a very good defensive line led by defensive end Ashton Gillotte that ranks fifth in the nation in Opponent Line Yards Allowed. They have generated 30 sacks and 54 tackles for loss — and that will likely spell trouble for the freshman quarterback in his first collegiate start. On offense, the Cardinals are led by an experienced graduate student Jack Plummer who is five years of experience learning under head coach Jeff Brohm in operating his version of the Air Raid offense. Louisville ranks 18th in the nation in Success Rate on offense -- and they are balanced. They rank 20th in the nation in Rush Success Rate and 11th in the nation in Pass Success Rate. The Cardinals have the opportunity to redeem themselves by giving last week’s in-state rivalry game away against the Wildcats. They gave the ball away three times in the second half including two times inside their 40-yard line to gift Kentucky 10 points and blow their 10-point second-half lead. Louisville has covered the point spread in 6 straight games after a straight-up loss — and they have covered the point spread in 6 straight games after a point spread loss.

FINAL TAKE: If the play at quarterback will not make the difference in this game, the Cardinals have the edge in head coaches as well. Brohm’s teams have covered the point spread in 28 of their 45 games as an underdog going back to his six seasons at Purdue — and his teams have covered the point spread in 13 of their 16 games against teams who are outscoring their opponents by +17.0 or more PPG (Florida State: +22.0 PPG). Florida State head coach Mike Norvell’s teams have failed to cover the point spread against teams winning 75% or more of their games — and they have failed to cover the point spread in 8 of their last 9 games in December. 25* CFB Conference Championship Game of the Year with the Louisville Cardinals (322) plus the points versus the Florida State Seminoles (321). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Michigan Wolverines (323) minus the points versus the Iowa Hawkeyes (324) in the Big Ten Championship Game. THE SITUATION: Michigan (12-0) continued their unbeaten season with their 30-24 win against Ohio State as a 3-point favorite last Saturday. Iowa (10-2) has won four straight games after their 13-10 upset win at Nebraska as a 2.5-point favorite on Saturday.

REASONS TO TAKE THE WOLVERINES MINUS THE POINTS: Michigan should continue their run tonight with a statement victory in the Big Ten Championship Game — they have covered the point spread in 6 straight games on the road after a straight-up win at home. They have also covered the point spread in 6 straight games after a win by seven points or less against a Big Ten rival. It is going to be difficult for the the anemic Hawkeyes offense to put up many points against this Wolverines defense that ranks number one in the nation by holding their opponents to just 10.6 Points-Per-Game. They rank second in the nation in Points Allowed per Possession. Since getting upset on the road to Iowa in 2016, Michigan has held the Hawkeyes to just 20 combined points in their last three meetings with a Kirk Ferentz team. Head coach Jim Harbaugh returns to the sideline — and he is well aware that risky play-calling is what will give Iowa opportunities. The Hawkeyes once again have a great defense — but they have only forced two turnovers in their last five games. Iowa has failed to cover the point spread in 5 of their last 8 games after not forcing more than one turnover in four straight games. They have failed to cover the point spread in 3 of their last 4 games after an upset victory against a Big Ten rival. They have also failed to cover the point spread in 6 of their last 8 games after playing a game where no more than 24 combined points were scored. The Hawkeyes have only scored 16 combined points in their last two appearances in the Big 10 Championship Game.

FINAL TAKE: While I don’t love laying more than three touchdowns, the Wolverines have covered the point spread in 6 of their last 9 games when favored by 21.5 to 31.5 points. The Hawkeyes have failed to cover the point spread in 6 of their last 9 games as an underdog getting 21.5 to 31 points. Michigan has scored at least 30 points in 11 of their 12 games — and Iowa has failed to score more than 15 points in five of their last six games. 8* CFB Michigan-Iowa Fox-TV Special with the Michigan Wolverines (323) minus the points versus the Iowa Hawkeyes (324). Best of luck for us — Frank.

At 4:00 PM ET on Saturday, we will be playing the Tulane Green Wave (316) minus the points versus the SMU Mustangs (315) in the American Athletic Conference Championship Game. THE SITUATION: Tulane (11-1) has won ten straight games after their 29-16 win against UTSA as a 3.5-point favorite last Friday. SMU (10-2) has won eight games in a row after their 59-14 victory against Navy as an 18.5-point favorite on Saturday.

REASONS TO TAKE THE GREEN WAVE MINUS THE POINTS: The Mustangs suffered a big blow last week in the win against the Midshipmen with third-year sophomore quarterback Preston Stone suffering a season-ending broken leg. The former four-star quarterback ranked 32nd in the nation in Total QBR. It will be redshirt freshman Kevin Jennings in his absence who is not nearly as a touted recruit coming out of high school — and this will be his first collegiate start after throwing 24 passes this season mostly in mop-up duty. This is not a good spot for SMU which can struggle with consistency. They have failed to cover the point spread in 32 of their last 48 road games after a straight-up win against a conference rival. They have also failed to cover the point spread in 9 of their last 10 games on the road after a win at home by 17 or points. And while the Mustangs have covered the point spread in five of their last seven games, they have then failed to cover the point spread in 16 of their last 19 games after covering the point spread in five or six of their last seven contests. And in their last 6 games when listed in the +/- 3-point range, they have failed to cover the point spread in 5 of those contests. Tulane has won 23 of their last 26 games under head coach Willie Fritz — and they have covered the point spread in 6 straight games after winning eight or more of their last 10 games. The Green Wave have also covered the point spread in 6 of their last 7 games at home after a victory against a conference opponent. They have a future NFL quarterback under center in Michael Pratt who has thrown 48 touchdown passes the last two seasons with only nine interceptions.

FINAL TAKE: Tulane is scoring 30.9 Points-Per-Game at home — and they have covered the point spread in 7 of their last 9 games at home.  SMU has failed to cover the point spread in 6 of their last 7 games on the road — and they have failed to cover the point spread in 24 of their last  35 road games as an underdog of up to seven points. 10* CFB Saturday Afternoon Discounted Deal with the Tulane Green Wave (316) minus the points versus the SMU Mustangs (315). Best of luck for us — Frank. 

At 12:00 PM ET on Saturday, we will be playing the Miami (OH) RedHawks (311) plus the points versus the Toledo Rockets (312) in the Mid-American Conference Championship Game. THE SITUATION: Miami (OH) has won four games in a row after their 17-15 win at Ball State as a 5-point favorite last Saturday. Toledo (11-1) won their 11th straight game last Friday in a 32-17 victory at Central Michigan as a 10-point favorite. This game is being played on a neutral field at Ford Field in Detroit, Michigan.

REASONS TO TAKE THE REDHAWKS PLUS THE POINTS: Miami (OH) is the Group of Five version of the Iowa Hawkeyes under head coach Chuck Martin in his tenth season with the program. The RedHawks can struggle to score — they are a run-first team that will play at a slow pace to shorten the game. But their defense is excellent — they rank 15th in the nation in Bill Connelly’s SP+ tempo-free metrics. They have held their last four opponents to just 41 combined points with none of those foes scoring more than 16 points. For the season, Miami (OH) is allowing just 323.1 total Yards-Per-Game which is resulting in only 16.3 PPG. The RedHawks special teams are outstanding as well — Connelly ranks them the best unit in the nation using his SP+ metrics. And this is a team that does not make many mistakes as they rank 11th in the nation in fewest penalty yards. They held the Rockets to just 318 total yards in their first meeting of the season on October 21st in a 21-17 loss as a home underdog getting 2-points. It was in that game that junior quarterback Brett Gabbert suffered his season-ending leg injury. Redshirt sophomore Aveon Smith stepped up in his absence to win the last four games of the season under center. He made nine starts last season for this team (after Gabbert went down with season-ending shoulder injury) including their 24-20 loss to UAB in the Bahamas Bowl — so he has plenty of experience. While Smith is capable with his arm, he offers Miami (OH) a rushing threat — the team is RPO-heavy with him at quarterback. The Redhawks have covered the point spread in 6 straight road games after a point spread loss. And while they got outrushed by -228 net yards to the Cardinals last week, they have covered the point spread in 6 straight games after getting outrushed by -125 or more yards. Miami (OH) has covered the point spread in 21 of their last 30 games after winning four or more games in a row — and they have covered the point spread in 25 of their last 33 games after winning four of their last five games. Furthermore, the RedHawks have covered the point spread in 4 of their last 5 games as an underdog getting 3.5 to 10 points. Toledo may be due for an emotional letdown after their strong run through the regular season after an opening-week loss at Illinois. The Rockets have failed to cover the point spread in 27 of their last 40 road games after winning three games in a row — and they have covered the point spread in 16 of their last 21 games on the road after beating three straight MAC rivals. They did generate 6.28 Yards-Per-Play last week against the Chippewas — but they have failed to cover the point spread in 5 of their last 7 games after generating 6.25 or more YPP in their last game. And while Toledo has scored at least 31 points in four straight games, they have then failed to cover the point spread in 33 of their last 51 road games after scoring 31 or more points in two straight games. The Rockets' offense was propped up all season by a soft schedule consisting of mostly mediocre defenses. Their non-conference schedule was against Texas Southern, San Jose State, and the Fighting Illini. They only managed 318 total yards against the RedHawks in the first meeting between these two teams. Junior quarterback DeQaun Finn is prone to mistakes. While he threw 21 touchdown passes with just eight interceptions in the regular season, his “Big Time” throws dropped to just 17 — and he committed 14 turnover-worthy plays according to the metrics at Pro Football Focus. Toledo failed to cover the point spread in 11 of their last 17 games played on a neutral field — and they have failed to cover the point spread in 7 of their last 11 games played on a neutral field when listed as the favorite.

FINAL TAKE: Miami (OH) has covered the point spread in  8 of their last 10 opportunities for revenge — and they have covered the point spread in 4 of their last 5 games when avenging a loss of seven points or less. The underdog has won four of the last five Mid-American Conference Championship Games — and three of those dogs were getting more than 3.5 points. 25* CFB Mid-American Conference Game of the Year with the Miami (OH) RedHawks (311) plus the points versus the Toledo Rockets (312). Best of luck for us — Frank.  

At 8:00 PM ET on Friday, we will be playing the Oregon Ducks (305) minus the points versus the Washington Huskies (306) in the Pac-12 Championship Game. THE SITUATION: Oregon (11-1) has won six games in a row after their 31-7 victory against Oregon State as a 13.5-point favorite last Friday. Washington (12-0) continued their unbeaten season with a 24-21 victory against Washington State as a 16-point favorite on Saturday. This game will be played on a neutral field at Allegiant Stadium in Las Vegas, Nevada.

REASONS TO TAKE THE DUCKS MINUS THE POINTS: Oregon dominated the Beavers as they outgained them by +207 net yards. They have covered the point spread in 4 of their last 5 games after a double-digit win against a Pac-12 rival — and they have covered the point spread in 5 of their last 6 games after a win by 21 or more points. The Ducks have also covered the point spread in 7 of their last 10 games after winning three or more games in a row against a conference opponent. The Oregon defense is outstanding — they have held their last six opponents to 16.0 PPG — and there are whispers that star quarterback Michael Penix, Jr. is slowed by an injury. The Huskies have not scored more than 24 points in three of their last six games. They are generating only 346.7 total Yards-Per-Game in their last three games which has resulted in 27.0 Points-Per-Game — a healthy number but not indicative of an elite offense clicking on all cyclones. Washington does not have an outstanding secondary — they rank 14th in the nation in Opponent Pass Success Rate Allowed. But Washington's run defense is their weakness as they rank 129th in Opponent Rush Success Rate Allowed and 132nd in Opponent Line Yards Allowed. This is where I expect the Ducks to go to work in this rematch. Oregon ranks second in the nation in Rushing Success Rate behind running back Bucky Irving. They also rank fourth in the nation in Line Yards — so their offensive should dominate the Washington defensive front. The Ducks have covered the point spread in 9 of their last 11 games when favored. Washington has failed to cover the point spread in 17 of their last 26 games against Pac-12 opponents. They have also failed to cover the point spread in 5 of their last 7 games after a straight-up win against a conference opponent — and they have failed to cover the point spread in 16 of their last 24 games after a narrow win by three points or less against a Pac-12 opponent.

FINAL TAKE: Oregon has covered the point spread in 6 of their last 7 games with the Total set in the 63.5-70 point range — and Washington has failed to cover the point spread in 4 of their last 5 games with the Total set in the 63.5-70 point range. 8* CFB Oregon-Washington ABC-TV Special with the Oregon Ducks (305) minus the points versus the Washington Huskies (306). Best of luck for us — Frank.

At 10:30 PM ET on Saturday, we will be playing the California Golden Bears (199) plus the points versus the UCLA Bruins (200). THE SITUATION: California (5-6) has won two games in a row after their 27-15 victory at Stanford as a 7-point favorite last Saturday. UCLA (7-4) ended their two-game losing streak with their 38-20 upset win at USC as a 5-point underdog on Saturday.

REASONS TO TAKE THE GOLDEN BEARS PLUS THE POINTS: Cal dominated the Cardinal last week by gaining 455 yards of offense while holding them to just 289 total yards. Now this team needs to win this game to become bowl eligible for head coach Justin Wilcox who may be coaching for his job. The Golden Bears have not allowed more than 125 rushing yards in their last two games — and they have covered the point spread in 8 of their last 10 games after not allowing more than 125 rushing yards in two straight games. Their game with Stanford finished Under the Total — and they have covered the point spread in 26 of their last 39 games after playing a game that finished Under the Total. And while they were on a four-game losing streak before winning their last two games, they have covered the point spread in 15 of their last 20 games after losing four or five of their last six games. The Golden Bears have covered the point spread in 16 of their last 23 games in November. And while the Bruins are outscoring their opponents by +10.8 net Points-Per-Game, Cal has covered the point spread in 14 of their last 22 games against teams outscoring their opponents by +10.0 or more PPG. UCLA is a prime suspect for an emotional letdown after their upset victory against the Trojans last week. They did get outgained by -33 net yards by USC last week but their 11-yard fumble recovery for a touchdown was the winning difference for them. The Bruins have nothing at stake for this game outside of Senior Night — but head coach Chip Kelly may still be on the hot seat given the whispers a few weeks ago. The Golden Bears are scoring 31.5 PPG — and UCLA has failed to cover the point spread in 15 of their last 21 games against teams who are scoring 31.0 or more PPG.

FINAL TAKE: The Bruins have failed to cover the point spread in 26 of their last 33 home games when favored by 7.5 to 14 points — and they have failed to cover the point spread in 7 straight home games when favored by 7.5 to 14 points with Kelly as their head coach. California has covered the point spread in 23 of their last 33 road games as an underdog getting 7.5 to 14 points including eight of those last ten situations. 10* CFB Saturday Late Show Bailout with the California Golden Bears (199) plus the points versus the UCLA Bruins (200). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the Oregon State Beavers (380) plus (or minus) the point(s) versus the Washington Huskies (379). THE SITUATION: Oregon State (8-2) has won five of their last six games after their 62-17 victory against Stanford as a 21.5-point favorite last Saturday. Washington (10-0) remained unbeaten this season with their 35-28 victory against Utah as a 9.5-point favorite on Saturday.

REASONS TO TAKE THE BEAVERS MINUS THE POINTS: The Huskies have been living dangerously since their triumphant victory against Oregon last month. Their last four victories have all been by ten points or less including a shaky 15-7 win against Arizona State. While the Washington offense is dynamic with Michael Penix, Jr. under center, their defense is below average. The Huskies rank 68th in the nation in Points Allowed per Opponent’s Scoring Opportunities inside their 40-yard line. They do not put pressure on the quarterback as they rank 131st in the nation in both sacks per drop back and run stuff rate. Opponents are converting on 42.2% of their third downs, the 102nd-worst mark in the FBS. They also rank 127th in the nation in Opponents Rush Success Rate Allowed — and that is a scary number when playing this Oregon State team. As it is, Washington has failed to cover the point spread in 4 of their last 5 games after a win against a Pac-12 rival. They have also failed to cover the point spread in 11 of their last 17 games after a point spread loss. The Utes generated 6.70 Yards-Per-Play against them — and the Huskies have failed to cover the point spread in 6 of their last 7 games after allowing their previous opponent to average 6.25 or more YPP. Washington has scored at least 35 points in their last three games — but they have failed to cover the point spread in 6 of their last 9 games after scoring 31 or more points in three or more games in a row. Now they go on the road where they have failed to cover the point spread in 9 of their last 14 games away from home. They have also failed to cover the point spread in 15 of their last 22 games after the first month of the season. Oregon State has covered the point spread in 13 of their last 16 games after a straight-up win — and they have covered the point spread in 9 of their last 11 games after scoring 37 or more points in their last contest. Additionally, the Beavers have covered the point spread in 9 of their last 10 games after a win against a Pac-12 rival — and they have covered the point spread in 8 of their last 10 games after a double-digit win against a conference opponent. They outgained the Cardinal by +274 net yards last week — and they have covered the point spread in 12 of their last 14 games after outgaining their previous opponent by +125 or more net yards. Oregon State is a physical team that can make things very difficult for the Huskies. They have a great offensive line that is healthy again with center Jake Levengood returning to action. Led by running backs Damien Martinez and Deshaun Fenwick, the Beavers rank third in the nation in Rushing Success Rate. Those two running backs are combining to average 152.1 rushing YPG. Oregon State also ranks 15th in the nation in Passing Explosiveness with D.J. Uiagalelei under center. He ranks 13th in the nation by averaging 10.9 air yards per pass — and he has 42 completions of 20 or more yards, ranking 10th in the nation. The Beavers rank 23rd in the nation in Points Allowed per Scoring Opportunity. Their defense will make things difficult on Penix — opposing quarterbacks are completing under 60% of their passes with just four touchdown passes and ten interceptions. In the last three seasons, Oregon State has given up only 14 touchdown passes while picking off 25 passes.

FINAL TAKE: Oregon State will be motivated to avenge a 24-21 loss at Washington as a 4.5-point underdog last season on November 4th. The Beavers get this rematch in Corvallis where they have covered the point spread in 17 of their last 18 games while beating the point spread number by at least 10 points in those contests. 25* CFB Pac-12 Game of the Year with the Oregon State Beavers (380) plus (or minus) the point(s) versus the Washington Huskies (379). Best of luck for us — Frank.

At 4:00 PM ET on Saturday, we will be playing the Houston Cougars (404) plus the points versus the Oklahoma State Cowboys (403). THE SITUATION: Houston (4-6) lost for the third time in their last four games in a 24-14 upset loss to Cincinnati as a 3-point favorite last Saturday. Oklahoma State (7-3) had their five-game winning streak snapped in a 45-3 upset loss at Central Florida on Saturday.

REASONS TO TAKE THE COUGARS PLUS THE POINTS: Houston will have plenty of motivation on Senior Day this afternoon. They need to win the final two games of the season to become bowl-eligible. They can also play the role of spoiler and ruin the Cowboys' Big 12 Championship Game aspirations. The Cougars have bounced back to cover the point spread in 13 of their last 15 games after an upset loss to a conference rival as a home favorite. They have also covered the point spread in 6 of their last 8 games after a loss to a conference opponent — and they have covered the point spread in 4 of their last 5 games after a double-digit loss to a conference rival. They have covered the point spread in 12 of their last 18 games after a point spread loss. And while the Bearcats outgained them by -129 net yards, they have then covered the point spread in 5 of their last 6 games after getting outgained by -125 or more yards. Houston has covered the point spread once in their last three games — but they have covered the point spread in 33 of their last 50 home games after failing to cover the point spread in two of their last three games. Oklahoma State has failed to cover the point spread in 8 of their last 13 games after a blowout loss by 35 or more points. It may be difficult for the Cowboys to pick themselves off the mat after such a deflating loss where they gave up a whopping 592 total yards of offense. The offense really struggled as well with senior quarterback Alex Bowman throwing three interceptions. That game was just the fourth time in the last three years that Oklahoma State did not score more than 14 points nor score more than three points in the first half (they were shut out in the first half last week). The Cowboys have failed to cover the point spread in all 3 of those previous games after not scoring more than 14 points in their last game — and they have failed to cover the point spread in all 3 games after not scoring more than three points in the first half of their last game. They could not get their ground game going against the Knights as they ran for just 52 yards on 25 carries — and they have failed to cover the point spread in 4 of their last 5 games after failing to rush for more than 100 yards in their last contest. Now they stay on the road where they are getting outscored by -5.7 Points-Per-Game — and they are getting outgained by -71.7 net Yards-Per-Game given their defense surrendering 442.0 YPG to their home hosts. Oklahoma State has failed to cover the point spread in 17 of their last 26 road games with the Total set in the 56.5-62 point range.

FINAL TAKE: Houston has covered the point spread in 9 of their last 14 games as an underdog — and they have covered the point spread in 4 of their last 5 home games as an underdog. 10* CFB Saturday Afternoon Discounted Deal with the Houston Cougars (404) plus the points versus the Oklahoma State Cowboys (403). Best of luck for us — Frank.

At 7:00 PM ET on Wednesday, we will be playing the Ohio Bobcats (310) minus the points versus the Central Michigan Chippewas (309). THE SITUATION: Ohio (7-3) has won two of their last three games after their 20-10 win at Buffalo as a 9-point favorite last Tuesday. Central Michigan (5-5) has lost two of their last three games with their 38-28 loss at Western Michigan as a 3-point underdog on Tuesday.

REASONS TO TAKE THE BOBCATS MINUS THE POINTS: Ohio should build off their momentum as they have covered the point spread in 5 of their last 6 games after a win on the road against a Mid-American Conference rival — and they have covered the point spread in 9 of their last 13 games after a win against a conference opponent. Additionally, they have covered the point spread in 6 straight home games after a point spread win — and they have covered the point spread in 5 straight games after a double-digit win on the road. Furthermore, the Bobcats have covered the point spread in 5 of their last 6 games after not allowing more than 14 points in their last contest. The biggest question I had for this team in the offseason was how quickly could Kurtis Rourke regain the form that led him to winning the Mid-American Conference Offensive Player of the Year last season The fifth-year quarterback threw 25 touchdown passes with only four interceptions while posting an adjusted completion percentage of 78% before getting injured near the end of the season and missing the MAC Championship Game and the Arizona Bowl. Tim Albin is building a culture in his image in his third year as the Bobcats’ head coach — but they lost six of the 14 players on defense that played at least 300 snaps. After a dramatic improvement on defense in the second half of the season, their biggest weakness appears to be a defensive line that returns only one starter for their 4-3 look — and they replaced both safeties from a unit that ranked 117th in Opponent Pass Success Rate. Well, Rourke has been solid, if not spectacular so far this season. He ranks 21st in the nation with a 50% positive Expected Points Added rate per dropback. The Ohio defense has been outstanding as they rank 8th in the nation in Opponent Rush Stuff Rate and 11th in Opponent Offensive Line Yards Allowed. The Bobcats have covered the point spread in 18 of their last 26 games at home with the Total set in the 42.5-49 point range. Central Michigan has failed to cover the point spread in 7 of their last 10 games after a straight-up loss on the road — and they have covered the point spread in 11 of their last 17 games after a point setback. The biggest question I had for this team in my offseason deep dive regarded whether their disappointing 4-8 season last year was a fluke — or a harbinger of a slide in the Chippewas program. This team finished 9-4 in 2021 — and they had a 26-13 record in the first three seasons under head coach Jim McElwain before the dip last year. The Chippewas were only outgained by -7.1 YPG but suffered three upset losses while ranking second in the FBS with a -18 net turnover margin. Nine starters returned on defense from a group whose 11 of 18 players who were on the field for 150 or more snaps were freshmen or sophomores. But McElwain has questions at quarterback and seems to lack playmakers on offense. After ten games into this season, it looks like their success in 2021 was an aberration. Sophomore quarterback Jase Bauer ranks 107th of 146 qualifying QBs in EPA per dropback — and he ranks 109th in completion percentage. Central Michigan generates only 313.3 Yards-Per-Game on the road which results in just 19.3 Points-Per-Game.

FINAL TAKE: The Chippewas have failed to cover the point spread in 11 of their last 14 games in conference action including losing the point spread in five of their last six games against MAC rivals — and the Bobcats have covered the point spread in 16 of their last 23 games against conference opponents. 8* CFB Wednesday Daily Discounted Deal with the Ohio Bobcats (310) minus the points versus the Central Michigan Chippewas (309). Best of luck for us — Frank.

At 2:00 PM ET on Saturday, we will be playing the Wake Forest Demon Deacons (136) plus the points versus the North Carolina State Wolfpack (135). THE SITUATION: Wake Forest (4-5) has lost two games in a row as well as five of their last six after their 24-21 loss at Duke as a 7-point underdog last Saturday. North Carolina State (6-3) pulled off their second-straight upset victory in a 20-6 win against Miami (FL) at home as a 6.5-point underdog on Saturday.

REASONS TO TAKE THE DEMON DEACONS PLUS THE POINTS: Wake Forest lost to the Blue Devils despite outgaining them by +133 net yards in that game. Look for the Demon Deacons to respond this afternoon with a strong effort as they have covered the point spread in 9 of their last 12 games after a loss to an ACC rival. They have also covered the point spread in 4 of their last 5 games after a loss by seven points or less against a conference rival — and they have covered the point spread in 4 of their last 5 games after a loss by six points or less. The biggest question I had for this team in the preseason deep dive was whether Wake Forest’s seven-game bowl streak was in jeopardy this year in the tenth season under head coach Dave Clawson. Only 11 starters returned from the group that finished 8-5 with a 27-17 victory against Missouri in the Outback Bowl. The offense lost four-year starting quarterback Sam Hartman with his decision to transfer to Notre Dame. Clawson is getting solid play out of fourth-year sophomore Mitch Griffis at quarterback — he completed 16 of 19 passes for 241 yards while adding 55 yards on the ground with two touchdowns in the losing effort against Duke. The Demon Deacons played what still remains a good Clemson team close earlier this season in a 17-12 loss. With four victories and games at Notre Dame and Syracuse on deck, this is likely the critical game to maintain Clawson’s bowl streak alive. NC State was riding high after following up their 24-17 upset win against Clemson as a 10-point underdog with their upset win against the Hurricanes. But then sophomore quarterback M.J. Morris surprised the coaching staff by retaining his year of eligibility by taking his redshirt option for the rest of the season. Now head coach Dave Doeren has to turn back to Brennan Armstrong who got benched at the end of September for Morris due to ineffective play. Expectations were high when Armstrong transferred in from Virginia to reunite with offensive coordinator Robert Anae who was his former OC with the Cavaliers. But Armstrong did not fit with Doeren’s more compact offensive philosophy than his successful 2021 campaign with Anae. He completed only 58.8% of his passes with five touchdown passes and six interceptions. His 6.1 Yards-Per-Attempt average is a career-low. The Wolfpack appear primed for an emotional letdown under these circumstances — and they have failed to cover the point spread in 6 of their last 9 games after winning two games in a row while also failing to cover the point spread in 4 straight games after covering the point spread in two straight contests. Both of their upset wins were at home — and they have failed to cover the point spread in 4 of their last 5 games after winning two games in a row at home. Now they go back on the road where they are only scoring 17.0 Points-Per-Game — and they have failed to cover the point spread in 6 straight games after playing their last two games at home. Furthermore, they have failed to cover the point spread in 10 of their last 13 games on the road — and they have failed to cover the point spread in 6 straight road games with the Total set in the 42.5-49 point range. They have also failed to cover the point spread in 40 of their last 60 road games when favored including five of their last seven games under those circumstances. NC State may have six wins but they have benefitted from a 3-1 record in games decided by one scoring possession. They have been outgained this season by -13.6 net Yards-Per-Game.

FINAL TAKE: Wake Forest has a 51-38-1 ATS record as an underdog under Clawson — and they have covered the point spread in 30 of their 48 games as an underdog following a loss with Clawson as their head coach. This is the Demon Deacons' last home game of the season — and they have covered the point spread in 3 of their last 4 home games as an underdog. 25* CFB ACC Underdog of the Year with the Wake Forest Demon Deacons (136) plus the points versus the North Carolina State Wolfpack (135). Best of luck for us — Frank.    

At 12:00 PM ET on Saturday, we will be playing the Virginia Tech Hokies (133) minus the points versus the Boston College Eagles (134). THE SITUATION: Virginia Tech (4-5) had their two-game winning streak snapped in a 34-3 loss at Louisville as a 9-point underdog last Saturday. Boston College (6-3) has won five games in a row with their 17-10 win at Syracuse as a 1-point favorite on Saturday.

REASONS TO TAKE THE HOKIES MINUS THE POINTS: Despite their 6-3 record, the Eagles are a home underdog in this game. While the betting public is on Boston College this afternoon, one look at their resume explains why they are getting the points. Five of their six wins have been by one scoring possession — and their victories are against a bevy of suspect teams like Army, Connecticut, Virginia, Holy Cross, an erratic Georgia Tech team, and the Orange. They have failed to cover the point spread in 4 of their last 6 games after a win against an ACC rival. And while that game finished below the 47.5-point total, they have then failed to cover the point spread in 9 of their last 14 games after a game that finished Under the Total. The Eagles forced four Syracuse turnovers — but they have then failed to cover the point spread in 4 of their last 5 games after forcing three or more turnovers in their last game. The biggest question I had for this team in my offseason deep dive was whether head coach Jeff Hafley learned the wrong lessons after some initial success using the transfer portal. The former Ohio State defensive coordinator landed quarterback Phil Jurkovec as a transfer from Notre Dame in his first season with the Eagles. But after some initial success with the portal, Hafley may have sacrificed the culture of his program as now more players are leaving than he is bringing in as he enters his fourth season. Hafley was likely too dependent on the portal to offer some quick fixes as the recruiting classes from the high school ranks have waned. After a 3-9 season where they finished 2-6 in conference play with ACC opponents outgaining them by -81.6 net Yards-Per-Game, Hafley is on the hot seat. He is getting some wins now against lesser competition — but this remains a team that has failed to cover the point spread in 9 of their last 13 home games as an underdog getting up to three points. Virginia Tech had been playing better lately with the move to sophomore Kyron Drones at quarterback — they upset Pittsburgh and beat Wake Forest and Syracuse over a four-game stretch with their lone loss being at Florida State. But they were flat on the road against the Cardinals while gaining only 140 total yards. The Hokies have covered the point spread in 5 of their last 7 games after a loss to an ACC rival — and they have covered the point spread in 5 of their last 7 games after a loss to a conference opponent by 10 or more points. And while they only generated 2.75 Yards-Per-Play last week, they have then covered the point spread in 20 of their last 26 games after failing to average more than 3.75 YPP in their last game. Virginia Tech has lost both of their games decided by one scoring possession. They have outgained their opponents by +30.9 net Yards-Per-Game.

FINAL TAKE: The Hokies have covered the point spread in 31 of their last 47 road games when favored by seven points or less. 10* CFB Saturday Discounted Deal with the Virginia Tech Hokies (133) minus the points versus the Boston College Eagles (134). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the USC Trojans (372) plus the points versus the Washington Huskies (371). THE SITUATION: USC (7-2) snapped their two-game losing streak with a 50-49 win at California as a 10.5-point favorite last Saturday. Washington (8-0) remained unbeaten this season with their 42-33 win at Stanford on Saturday.

REASONS TO TAKE THE TROJANS PLUS THE POINTS: Despite the victory last week, the embattled USC defense continued to struggle against the Golden Bears. The Trojans have covered the point spread in 14 of their last 21 games after allowing 42 or more points in their last game. And while they gave up 28 points in the first half to Cal, they have then covered the point spread in 13 of their last 20 games after allowing 24 or more points in the first half of their last game. The problems with the USC defense are mostly against the run — but the Huskies are not likely to commit to running the football. They only averaged 3.4 Yards-Per-Carry last week against the Cardinal on 27 carries after rushing for a mere 13 yards on 13 carries in their previous game against Arizona State. Washington is being slowed down by issues with the interior of their offensive line — and USC does rush the passer as they rank 11th in the nation in Havoc Rate. The Trojans have talent in their secondary — and that is one of the reasons why they are holding opposing quarterbacks to completing just 61.2% of their passes. USC also ranks 21st in Opponent Finishing Drive Rate. Washington has been sluggish in their last two games after their triumphant win against Oregon — they only beat Arizona State by a 15-8 score before getting outgained by -39 net yards to a struggling Cardinal team. While the head coach Lincoln Riley (rightly) gets criticized for the underperforming Trojans' defense, the Huskies' defense has been just as bad after watching Stanford generate 499 yards against them. The Huskies rank 125th in the nation in Opponent Rush Success Rate Allowed. They also rank 115th in Havoc Rate while ranking 118th in Pressure Rate and 131st Sack Rate — and those are frightening numbers when now facing USC’s Caleb Williams who is averaging 14.0 yards per completion. Washington has failed to cover the point spread in 9 of their last 13 games after a win on the road where they failed to cover the point spread. They have failed to cover the point spread in 4 of their last 5 games after allowing 475 or more yards in their last contest — and they have failed to cover the point spread in 5 of their last 7 games after a game where 70 or more combined points were scored. They stay on the road where they have failed to cover the point spread in 9 of their last 13 games — and they have failed to cover the point spread in 7 of their last 9 games on the road when favored.

FINAL TAKE: USC has covered the point spread in 7 of their last 10 games at home with the Total set at 63 or higher. In a game that looks like the last quarterback to have the ball wins, look for Williams to outduel Michael Penix, Jr. — and we get the added insurance of the three points for the home dog. 25* CFB Saturday ABC-TV Game of the Year with the USC Trojans (372) plus the points versus the Washington Huskies (371). Best of luck for us — Frank. 

At 7:30 PM ET on Saturday, we will be playing the Rice Owls (390) plus the points versus the SMU Mustangs (389). THE SITUATION: Rice (4-4) lost for the second time in their last three games with their 30-28 loss to Tulane as a 10-point favorite last Saturday. SMU (6-2) is on a four-game winning streak with their 69-10 victory against Tulsa on Saturday.

REASONS TO TAKE THE OWLS PLUS THE POINTS: Rice almost rallied to beat the Green Wave last week despite getting outgained by -186 net yards — but they have then covered the point spread in 7 of their last 11 games after getting outgained by -125 or more yards. Much of that yardage disparity can be explained by Rice’s offense only being on the field for 23:55 minutes in that game. They allowed Tulane to generate 6.97 Yards-Per-Play — but they have then covered the point spread in 10 of their last 16 games after allowing their last opponent to average 6.25 or more YPP. My biggest question for this team in my off-season deep dive was whether it was becoming now-or-never time for head coach Mike Bloomgren to lead his team to a winning record for the first time in his six seasons with the program. He inherited a 1-11 football team — and the Owls have improved in the win department in each season (outside the 2020 COVID year when they finished 2-3 on an abbreviated schedule). The five wins they won last year were the most since 2015 — and they did play in a bowl game for the first time in eight seasons despite a 5-7 record (they lost to Southern Mississippi in the Lending Tree Bowl). The former Stanford offensive coordinator is recruiting well — and he brought in former USC, Georgia, and West Virginia five-star recruit J.T. Daniels at quarterback. Fifteen starters are back from last year including four of the top five tacklers on defense. However, the move from Conference USA to the American Athletic Conference presents a more difficult strength of schedule. So far so good this season with their .500 record which includes a 2-2 mark in conference play. They are outscoring their opponents by +5.5 Points-Per-Game while also outgaining their opponents in yardage. Two of their losses have been by one scoring possession. Daniels has been steady under center — he is completing 63.6% of his passes with 19 touchdown passes and just six interceptions. SMU has outscored their last two opponents by a 124 to 10 point margin — but they have failed to cover the point spread in 9 of their last 13 games after a win by 17 or more points. They outgained the Golden Hurricane by +391 net yards last week — but they have failed to cover the point spread in 7 straight games on the road after outgaining their previous opponent by +125 or more yards. They have also failed to cover the point spread in 17 of their last 22 road games after winning two games in a row — and they have failed to cover the point spread in 12 of their last 14 road games after winning four or five of their last six games. The Mustangs have been very active in the transfer portal — but my main question for this program in the offseason was whether they taking one step forward for every two steps back in the portal. Second-year head coach Rhett Lashlee brought several players on both sides of the ball from Miami (FL) where he was previously the offensive coordinator. He has also brought in some defensive players from Liberty where defensive coordinator Scott Symons previously served. But two-year starting quarterback Tanner Mordecai left the program for Wisconsin after making 24 starts in the last two seasons. This is a team that finished 7-6 in their first year under Lashlee — the worst record for this program in four seasons. While the Mustangs ranked 14th in the nation by generating 472.8 total YPG, they also ranked 111th by allowing 431.2 total YPG. Third-year sophomore Preston Stone takes over at quarterback as a former four-star recruit — but this could be a program moving in the wrong direction after Sonny Dykes left two years ago to become the head coach at TCU. Winning six of their first six games seems to be a solid endorsement of where this team is headed under Lashlee — but they are 4-0 at home but just 2-2 when playing on the road where their scoring drops by -12.0 PPG. The Mustangs have failed to cover the point spread in 5 of their last 7 games with the Total set in the 56.5-63 point range.

FINAL TAKE: Rice has covered the point spread in 4 of their last 5 games at home — and they have covered the point spread in 5 of their last 8 home games as an underdog. 8* CFB Saturday Night Discounted Deal with the Rice Owls (390) plus the points versus the SMU Mustangs (389). Best of luck for us — Frank.

At 2:00 PM ET on Saturday, we will be playing the Utah Utes (364) minus the points versus the Arizona State Sun Devils (363). THE SITUATION: Utah (6-2) had their two-game winning streak snapped in a 35-6 loss at home to Oregon as a 6.5-point underdog last Saturday. Arizona State (2-6) ended their six-game losing streak with their 38-27 upset victory against Washington State as a 4.5-point underdog on Saturday.

REASONS TO TAKE THE UTES MINUS THE POINTS: The Utes should rebound under head coach Kyle Whittingham this afternoon as they have covered the point spread in 10 of their last 15 games after a loss by 21 or more points. They have also covered the point spread in 9 of their last 14 games after a point spread loss. The Utah defense has struggled the last two weeks by giving up 35 and 32 points against the powerful Ducks and USC offenses in the last two weeks. But they have then covered the point spread in 11 of their last 16 games after allowing 31 or more points in two straight games And while Oregon averaged 6.72 Yards-Per-Play last week, the Utes have covered the point spread in 21 of their last 30 home games after allowing 6.25 or more YPP. Utah is still holding their guests to only 14.8 Points-Per-Game and just 277.0 total Yards-Per-Game at home at Rice-Eccles Stadium. The Utes have covered the point spread in 11 of their last 16 at home when favored. Furthermore, Utah has covered the point spread in 7 of their last 10 games after winning six or seven of their last eight games — and they have covered the point spread in 6 of their last 9 games with the Total set at 42 or lower. Arizona State has failed to cover the point spread in 8 of their last 12 games after an upset victory as a home underdog against a Pac-12 rival — and they have failed to cover the point spread in 14 of their last 22 games after a double-digit upset victory. Additionally, they have failed to cover the point spread in 8 of their last 12 games after a straight-up win — and they have failed to cover the point spread in 6 of their last 9 games after a win at home. The Sun Devils outgained the Cougars by +106 net yards — but they have failed to cover the point spread in 7 of their last 8 games after outgaining their last opponent by +125 or more yards.  

FINAL TAKE: While Utah has underachieved on offense as they deal with injuries on that side of the ball, they did score 34 points in their previous two games against California and USC before getting stymied against the Ducks. Now they face a porous Arizona State run defense that ranks 98th in Opponent Rush Success Rate Allowed and 111th in Opponent Line Yards Allowed. The Sun Devils have failed to cover the point spread in 5 of their last 8 games in November — and the Utes have covered the point spread in 5 of their last 8 games in November. 10* CFB Saturday Afternoon Discounted Deal with the Utah Utes (364) minus the points versus the Arizona State Sun Devils (363). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Clemson Tigers (422) plus the points versus the Notre Dame Fighting Irish (421). THE SITUATION: Clemson (4-4) has also two games in a row after their 24-17 upset loss at North Carolina State as a 10-point favorite last Saturday. Notre Dame (7-2) has won three of their last four games after a 58-7 thrashing at home against Pittsburgh as a 21-point favorite on Saturday.

REASONS TO TAKE THE TIGERS PLUS THE POINTS: Clemson has suffered two straight upset losses after getting upset at Miami (FL) the previous week. The Tigers did outgain the Wolfpack by +162 net yards as they held them to a mere 202 yards of offense. A -2 net turnover margin along with a 15-yard interception returned for a touchdown by NC State played a big role in that game. This has been the story of the Clemson season. In their four losses this season, they are outgaining their opponents by more than +300 net Yards-Per-Game but are holding themselves back with a -6 net turnover margin with ten lost fumbles in those contests. Failing to convert on five of their seven fourth-down chances in those games has not helped either. Head coach Dabo Swinney claimed earlier this week that his team would be 8-0 if not for them leading the nation in fumbles. Ranking in the bottom ten in the nation in Red Zone Scoring Percentage has not helped the cause either. But fumble luck as well as scoring in the Red Zone tends to regress over the long run. This remains a team that is outscoring their opponents by +7.8 Points-Per-Game this season — and their +148.1 net Yards-Per-Game mark is a reliable assessment of how they should perform moving forward. Remember, this is a team that has lost twice in overtime and that only has a 1-3 record in games decided by one scoring possession. They outplayed and outgained Florida State by a 429 to 311 yardage margin before coaching decisions and late miscues and some Seminoles’ good fortunate combined to have the Tigers somehow give that game away in overtime. So while the critics can point to Clemson’s 7-7 record in their last 14 games, this remains a very talented group — especially on defense. The Tigers still possess an elite defense that ranks fourth in the nation by holding their opponents to just 4.4 Yards-Per-Play. They rank sixth in the FBS by allowing only 267.5 total YPG — and they are 14th in the nation in Opponent Success Rate Allowed. The offense has struggled in the Red Zone under quarterback Cade Klubnik — and some of the shine is off new offensive coordinator Garrett Riley who came over from TCU in the offseason. But the Tigers are still averaging 453.8 YPG at home which is generating 38.8 PPG. Running back Will Shipley is injured for this game — but that means more carries for second-year freshman Phil Mafah who is averaging 6.0 Yards-Per-Carry and +1.5 more yards after contact than Shipley. After playing their last two games on the road, Clemson returns home where they have covered the point spread in 25 of their last 41 games with the Total set in the 42.5-46 point range. They have also covered the point spread in 6 of their last 9 games after playing their last two games on the road. The Tigers have not covered the point spread in three of their last four games — but they have then covered the point spread in 4 of their last 5 games after failing to cover the point spread in three of their last four games. Notre Dame goes on the road again after beating USC and the Panthers at home by 28 and 51 points — but they have failed to cover the point spread in 13 of their last 14 games after winning two games in a row at home by 14 or more points. The Fighting Irish have forced five turnovers in two straight games — they have enjoyed +5 and +3 net turnover margins in their last two contest. But the Regression Gods are fickle when it comes to turnovers as Notre Dame will remember in their upset loss at Louisville where they turned the ball over five times in their last trip on the road. The Fighting Irish have failed to cover the point spread in 4 of their last 5 games after posting a +3 or more net turnover margin in their last game. They have also failed to cover the point spread in 4 of their last 5 games after playing two games in a row with a +3 or more net turnover margin. They lost their best receiver last week when their talented tight end Mitchell Evans tore his ACL. That does not help a Fighting Irish team that has failed to cover the point spread in 26 of their last 38 games against teams not allowing more than 285 YPG.                                    

FINAL TAKE: It is not often that a Clemson team under head coach Dabo Swinney is an underdog at home in Death Valley. The Tigers have covered the point spread in 14 of their 21 home games getting more than three points in the Swinney era — and they are covering the point spread by an average of +4.6 points per game. Swinney should have no problem getting his team up for this game since playing Notre Dame is always something special — and they will have revenge on their minds after getting upset in South Bend last season by a 35-14 score despite being a 4-point road favorite. 25* College Football Underdog of the Month with the Clemson Tigers (422) plus the points versus the Notre Dame Fighting Irish (421). Best of luck for us — Frank.

At 10:30 PM ET on Saturday, we will be playing the Fresno State Bulldogs (168) minus the points versus the UNLV Rebels (167). THE SITUATION: Fresno State (6-1) rebounded from their loss on the road at Wyoming with a 37-32 victory at Utah State as a 5.5-point favorite back on October 13th. UNLV (6-1) won their fifth game in a row with a 25-23 win against Colorado State as a 6.5-point favorite last Saturday.

REASONS TO TAKE THE BULLDOGS MINUS THE POINTS: Fresno State has covered the point spread in 23 of their last 35 games after a victory against a conference rival by seven points or less including their last four games under those circumstances. They enjoyed a +2 net turnover margin against Utah State — and they have covered the point spread in 5 of their last 7 games after posting a +2 or better net turnover margin in their last contest. They have also covered the point spread in 5 of their last 8 games after winning five or six of their last seven games. The Bulldogs return home where they are 3-0 with an average scoring margin of +21.3 net Points-Per-Game. Sophomore quarterback Mikey Keene is questionable to play tonight with leg injuries — but head coach Jeff Tedford has a capable backup in junior Logan Fife who had four starts last season and also was the starter two weeks ago against the Aggies. In that game, Fife completed 22 of 39 yards for 291 yards with a touchdown pass and no interceptions while adding 21 yards on the ground. The Bulldogs have covered the point spread in 9 of their 11 home games under Tedford when favored by 7.5 to 10 points — and they have covered the point spread in 12 of their last 17 home games under Tedford with the Total set in the 52.5-56 point range. UNLV has been one of the surprises of the season with their six victories in seven games — but they are only outgaining their opponents by +20.9 net YPG. They have won both their games decided by one scoring possession. Outside of playing at the Big House against Michigan, the Rebels have played a light schedule with Vanderbilt being their only other Power Five Conference opponent and they had a game with Bryant out of the FCS. Their five games against UTEP, Vanderbilt, Hawai’i, Nevada, and Colorado Stare were against opponents all with losing records — and that collective record of those five opponents is 11-28. UNLV has won the turnover battle in six straight contests — but they have then failed to cover the point spread in 22 of their last 31 games after posting a +1 or better turnover margin. The Rebels had covered the point spread in their first six games — but they have then failed to cover the point spread in 12 of their last 16 games after covering four of their last five games. First-year head coach Barry Odom deserves credit for turning this team around so quickly — but his teams going back to his time with Missouri have failed to cover the point spread in 6 of their last 8 games after winning four or five of their last six games. Odom’s teams have failed to cover the point spread in 8 of their last 12 games on the road as an underdog.

FINAL TAKE: Odom’s teams have failed to cover the point spread in 5 of their last 7 games on the road with the Total set in the 49.5-56 point range — and the Bulldogs have covered the point spread in 7 of their last 10 games with the Total set in that 49.5-56 point range. 10* CFB Saturday Late Show Bailout with the Fresno State Bulldogs (168) minus the points versus the UNLV Rebels (167). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Cincinnati Bearcats (203) plus the points versus the Oklahoma State Cowboys (204). THE SITUATION: Cincinnati (2-5) has lost five games in a row after a 32-29 upset loss as a 2.5-point favorite last Saturday. Oklahoma State (5-2) has won three games in a row with their 48-34 victory at West Virginia as a 3-point underdog on Saturday.

REASONS TO TAKE THE BEARCATS PLUS THE POINTS: Cincinnati outgained the Bears last week by a 450 to 396 margin in yards but a fumble recovery returned for a 15-yard touchdown was too much for them to overcome. That game was the second time during their losing streak that an opponent’s defensive touchdown played a big role in a game decided by one-scoring possession. The Bearcats are outscoring their opponents this season despite their losing record — and they are outgaining their opponents by +98.5 net Yards-Per-Game. Besides Baylor last week, they have also outgained BYU and Miami (OH) but found a way to lose the game. Cincinnati has not covered the point spread in five straight games — but they have covered the point spread in 19 of their last 15 games after not covering the point spread in four straight games and they have covered the point spread in 4 straight games after failing to cover the point spread in five straight games. They have also covered the point spread in 10 of their last 15 games after losing four or more games in a row. First-year head coach Scott Satterfield needs to turn things around — and the Bearcats should remain competitive in this one. Cincinnati has covered the point spread in 23 of their last 40 road games with the Total set in the 49.5-56 point range. Oklahoma State has pulled off three straight upset victories after last week’s victory against the Mountaineers. But the Cowboys have failed to cover the point spread in 6 of their last 7 games after a double-digit win as a road underdog — and they have failed to cover the point spread in 6 of their last 9 games after an upset win by 14 or more points. Oklahoma State returns home with their annual date with in-state rival Oklahoma coming up next week — so they may get caught looking ahead. They are getting outgained at home by -6.7 net YPG.

FINAL TAKE: The Cowboys have been fortunate during their three-game upset run. These three favorites have failed to convert on seven of their eighth fourth down attempts which has often then given Oklahoma State a short field. The Cowboys also enjoy a +4 net turnover margin with seven takeaways in these three upset wins including a pick-six returned for a touchdown. Good luck never lasts — and as we discovered with North Texas’ second-half rally earlier today, even bad luck runs come to an end. 8* CFB Saturday Night Discounted Deal with the Cincinnati Bearcats (203) plus the points versus the Oklahoma State Cowboys (204). Best of luck for us — Frank.

At 5:30 PM ET on Saturday, we will be playing the Boise State Broncos (164) minus the points versus the Wyoming Cowboys (163). THE SITUATION: Boise State (3-4) has lost two of their last three games after their 31-30 upset loss at Colorado State as a 7.5-point favorite back on October 14th. Wyoming (5-2) had their three-game winning streak snapped in a 34-27 loss at Air Force as a 13-point underdog on October 14th.

REASONS TO TAKE THE BRONCOS MINUS THE POINTS: Boise State should rebound with the benefit of their bye week to regroup and get healthy. Head coach Andy Avalos expects their two-time 1000-yard rusher to return to action for the first time since their season opener — and their offensive line will be as healthy as it has been all season. The Broncos have covered the point spread in 5 of their last 6 games after an upset loss. They have also covered the point spread in 4 straight games after a loss by six points or less — and they have covered the point spread in 8 of their last 12 games after a point spread loss. They have also covered the point spread in 10 of their last 15 games after losing two of their last three games. Boise State has been snake bit this year with three of their losses determined by only six combined points. They have endured a -5 net turnover margin this season — and the Cowboys have enjoyed a +5 net turnover margin this year so the Regression Gods could take care of two birds with one stone with an appearance in this game (to mesh and mangle a pair of metaphors). Wyoming has covered the point spread in their last two games — but they have failed to cover the point spread in 4 of their last 5 games after covering the point spread in two games in a row. They have also failed to cover the point spread in 6 of their last 8 games after winning two of their last three games. They have lost both of their games on the road while getting outscored by -14.0 Points-Per-Game and getting outgained by -46.0 net Yards-Per-Game.

FINAL TAKE: Wyoming has failed to cover the point spread in 7 of their last 11 games between Weeks Five and Nine — and Boise State has covered the point spread in 6 of their last 9 games between Weeks Five and Nine. 8* CFB Saturday Afternoon Discounted Deal with the Boise State Broncos (164) minus the points versus the Wyoming Cowboys (163). Best of luck for us — Frank.

At 3:00 PM ET on Saturday, we will be playing the North Texas Mean Green (186) plus the points versus the Memphis Tigers (185). THE SITUATION: North Texas (3-4) has lost two of their last three games after their 35-28 loss at Tulane as a 20-point underdog on Saturday. Memphis (5-2) has won two of their last three games after a 45-21 win at UAB as a 7.5-point favorite last Saturday.

REASONS TO TAKE THE MEAN GREEN PLUS THE POINTS: North Texas has outgained their opponents by +13.0 net Yards-Per-Game this season — but three of their four losses have been decided by one scoring possession. They should be in store for another close game this afternoon as they have covered the point spread in 6 of their last 7 games after a loss to a conference rival — and they have covered the point spread in 7 of their last 10 games after a loss on the road. Additionally, the Mean Green have covered the point spread in 5 of their last 6 games after a straight-up loss where they covered the point spread as an underdog. North Texas has covered the point spread in three straight games — and they have covered the point spread in 5 of their last 6 games after covering the point spread in three of their last four games. They have also covered the point spread in 6 of their last 7 games after losing two of their last three games. Led by quarterback  Chandler Rogers, the Mean Green have an explosive offense. The junior is completing 65% of his passes and averaging 8.0 Yards-Per-Attempt — and he has 14 touchdown passes to just one interception. The Mean Green sport a balanced offense that has rushed for 200 or more yards in five of their games while passing for 297 or more yards in five games. They have generated 475.3 Yards-Per-Game in their last three contests — and they have covered the point spread in 9 of their last 11 games after averaging 475 or more YPG. They have also covered the point spread in 13 of their last 19 expected higher-scoring games where the Total is at 63 or higher. In their three games at home, they are scoring 37.0 Points-Per-Game. Memphis got outgained last week by -29 net yards despite beating UAB by 24 points — they benefited from a +4 net turnover margin.

At 7:30 PM ET on Saturday, we will be playing the Florida State Seminoles (342) minus the points versus the Duke Blue Devils (341). Florida State (6-0) remained unbeaten this season with their 41-3 win against Syracuse as a 19-point favorite last Saturday. Duke (5-1) rebounded from their touchdown loss at home to Notre Dame with a 24-3 win at home against North Carolina State as a 4-point favorite on Saturday.

REASONS TO TAKE THE SEMINOLES MINUS THE POINTS: Florida State tends to feed off their momentum in situations like this as they have covered the point spread in 10 of their last 12 games after a win against ACC rival — and they have covered the point spread in 5 of their last 6 games after a victory by double-digits against a conference opponent. They dominated the Orange by outgaining them by +274 net yards — and they have then covered the point spread in 42 of their last 66 home games after outgaining their previous opponent by +175 or more yards. The biggest question I had in my offseason deep dive with this team was whether the glory days back for the Seminoles in the fourth season under head coach Mike Norvell. They led the ACC by outgaining their opponents by +164.6 net YPG — and 11 All-ACC players are back from that group that won their final six games. The defense returned six of the top seven tacklers that ranked 14th in the nation by holding their opponents to 321.8 total YPG. Norvell is also hitting the transfer portal well with 11 new players coming into the program — and I like the way he is integrating these players with the foundation of his team. Norvell committed to getting younger players on the field in the first three years with the program — and those juniors and seniors now form the core of this team. Senior quarterback Jordan Travis is an intriguing NFL prospect. He was initially a run-first dual-threat option under center who has made great strides in improving his passing game. He passed for 3214 yards last year while being graded the top offensive player in the ACC by Pro Football Focus. Of particular note is his decision-making as he had only five interceptions with only 1.9% of his snaps under center resulted in a turnover-worthy play. So far this season, Travis has 1482 passing yards with 13 touchdown passes and just one interception. He is leading an offense that ranks second in the nation in Explosiveness. While I remain uncertain if this team can win a College Football Playoff game, they are definitely trending upward with 12 straight victories going back to last season. In three home games, they are generating 514.3 total YPG which is resulting in 48.7 PPG — and they are outscoring their guests by +37.7 PPG. Duke has failed to cover the point spread in 18 of their last 25 games after a double-digit win against an ACC opponent — and they have failed to cover the point spread in 9 of their last 10 games after a win by 21 or more points against an ACC foe. I am not surprised by the Blue Devils hot start to the season. In my preseason deep dive, I speculated that it might be too easy and misguided to disregard the Blue Devils simply because they thrived on a soft schedule last season. They only played four teams with a winning record — and just two of their nine victories were against FBS programs with a winning record. This contest will be their third game against a team ranked in the top 11 in the country at the time. And while their +16 net turnover margin helped them out tremendously, the Regression Gods are likely to make their presence known this year with their actual net turnover rate coming closer to their expected net turnover rate again — and they only have a +3 net turnover margin hits season. But the key to this team is junior quarterback Riley Leonard — and he remains questionable with an ankle injury. Head coach Mile Elko lists him as day-to-day. If he cannot play, freshman Henry Belin IV will get the start once again after he completed just 4 of 12 passes for 107 yards as the starter last week. It will not be pretty if Belin IV is starting in the hostile environment of Doak Campbell Stadium in a nationally televised night game — especially since he does not appear ready to move the ball with his arm. Let’s assume Leonard plays — but one of the reasons he is an NFL prospect is because of his mobility. His bum ankle will likely limit his ability to be a running threat with RPOs or elude the Florida State pass rush. He is completing only 33.3% of his passes under pressure with just a 3.1 Yards-Per-Attempt average.

FINAL TAKE: This is Duke’s just second game on the road all season after they easily beat Connecticut last month — and they have failed to cover the point spread in 8 of their last 12 games on the road. The Blue Devils have also failed to cover the point spread in 6 of their last 8 games as an underdog getting 10.5 to 21 points. 10* CFB Duke-Florida State ABC-TV Special with the Florida State Seminoles (342) minus the points versus the Duke Blue Devils (341). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the South Carolina Gamecocks (409) plus the points versus the Missouri Tigers (410). THE SITUATION: South Carolina (2-4) has lost two games in a row after their 41-37 upset loss to Florida as a 1-point favorite last Saturday. Missouri (6-1) rebounded from their loss to LSU with a 38-21 upset win at Kentucky as a 1.5-point underdog on Saturday.

REASONS TO TAKE THE GAMECOCKS PLUS THE POINTS: South Carolina held a 37-27 midway through the fourth quarter against the Gators last week before surrendering two late touchdowns to give that game away. They should bounce back with a good effort this afternoon as they have covered the point spread in 9 of their last 13 games after a straight-up loss. They have also covered the point spread in 4 straight games after a loss at home — and they have covered the point spread in 7 of their last 11 games after a loss to an SEC rival. The Gamecocks have not covered the point spread in their last two games — but they have then covered the point spread in 5 of their last 8 games after failing to cover the point spread in two of their last three games. They have also covered the point spread in 8 of their last 11 games after losing two of their last three games. The biggest question I had for South Carolina in my preseason deep dive was whether they could continue the offensive momentum they established at the end of last season. They scored 132 combined points in their final three games which included upset wins against Tennessee and Clemson before a 45-38 loss to Notre Dame in the Gator Bowl. Head coach Shane Beamer had the offensive playbook simplified late in the season which seems to have played a role in the increase in productivity. Six starters return on that side of the ball including senior quarterback Spencer Rattler who was brilliant down the stretch. The answer so far is mixed. After generating 378.8 total YPG last season, the Gamecocks are averaging 427.0 total YPG this year — but their scoring is down -3.2 PPG to 29.0 PPG. Rattler completed 23 of 30 passes for 313 yards with four touchdown passes and only one interception in the losing effort last week. It is the defense that is letting Beamer’s team down as they are allowing 442.2 total YPG — and it is that side of the ball that has played a big role in their playing three straight Overs. South Carolina has covered the point spread in 8 of their last 13 games after playing three straight Overs — and they have covered the point spread in 5 of their last 8 games after scoring 37 or more points in their last contest. Missouri has failed to cover the point spread in 11 of their last 17 games after a double-digit upset victory. They enjoyed a +2 net turnover margin in that game — but they have failed to cover the point spread in 4 of their last 5 games after posting a +2 or better net turnover margin in their last contest. The Tigers have played five straight Overs — but they have then failed to cover the point spread in 6 of their last 9 games after playing two Overs in a row and they have failed to cover the point spread in 5 of their last 6 games after playing three or more Overs in a row. My main question for this team in the offseason concerned whether this team will continue to underwhelm on offense under head coach Eli Drinkwitz. The former Appalachian State head coach was hired to install his innovative pro-style offense that featured multiple personnel groupings in a no-huddle attack. But the Tigers had not ranked higher than 59th in the FBS in scoring and 61st in total yardage in his first three seasons. Seven starters are back on offense from a unit that scored only 24.8 PPG and generated 369.8 YPG last year, ranking 85th and 81st in the nation. Drinkwitz relinquished the play-calling to his new offensive coordinator Kirby Moore who comes over after two seasons as the OC at Fresno State. So far, the results have been overwhelmingly positive with Mizzo pulling off upsets against Kansas State and Kentucky to win six of their first seven games. But they have also been fortunate to win all three of their games decided by one scoring possession.

FINAL TAKE: Look for Rattler to keep the Gamecocks close in this one — the Tigers have failed to cover the point spread in 10 of their last 13 games in expected high-scoring games with the Total set in the 56.5-63 point range. Missouri has also failed to cover the point spread in 9 of their last 11 games as a home favorite. 10* CFB Saturday Afternoon Discounted Deal with the South Carolina Gamecocks (409) plus the points versus the Missouri Tigers (410). Best of luck for us — Frank.

At 7:00 PM ET on Saturday, we will be playing the Georgia State Panthers (160) minus the point(s) versus the Marshall Thundering Herd (159). THE SITUATION: Georgia State (4-1) looks to rebound from their 28-7 upset loss to Troy as a 1-point favorite on September 30th. Marshall (4-1) also lost their first game of the season in their previous game in a 48-41 loss at North Carolina State as a 6.5-point underdog last Saturday.

REASONS TO TAKE THE PANTHERS MINUS THE POINT(S): Georgia State should rebound tonight as they have covered the point spread in 6 straight games after a straight-up loss to a Sun Belt Conference rival — and they have covered the point spread in 4 of their last 5 games after a loss by 17 or more points. They had covered the point spread in their two previous games — and they have covered the point sprees in 25 of their last 34 games after covering the point spread in two of their last three games. They have also covered the point spread in 7 of their last 10 games after a point spread loss. And while their game with the Trojans finished Under the Total, they have then covered the point spread in 11 of their last 13 games after playing a game that finished Under the Total. After three straight winning seasons, the Panthers dropped to 4-8 last year. My main question for this team in my offseason deep dive was whether this program was trending in the wrong direction in the seventh-year under head coach Shawn Elliott — or were they simply snake-bit by losing all five of their games decided by seven points or less by a combined 18 points. One-third of the roster was turned over either from transfers or exhausted eligibility — but senior dual-threat quarterback Darren Grainger returned after rushing for 908 non-sacking rushing yards and tossing 19 touchdown passes with only four interceptions. With an upset win at Coastal Carolina part of their 4-1 record, it appears that Georgia State remains a perennial contender to play in the Sun Belt Conference Championship Game while playing in a bowl game. The Panthers stay at home where they have covered the point spread in 7 of their last 10 home gams when favored by three points or less. Marshall may be deflated after losing their opportunity to upset a Power Five Conference opponent. They have played three straight games decided by one possession — and they have a showdown looming with James Madison on Thursday. As it is, the Thundering Herd have failed to cover the point spread in 4 straight games after a loss on the road. They have also failed to cover the point spread in 6 of their last 8 games after a game where both teams combined for 60 or more points. Marshall’s defensive numbers are quite good in defending the pass as they rank in Opponent Passing Success Rate Allowed — but that may speak to the quality of their early schedule with games against Albany, East Carolina, Virginia Tech, and Old Dominion that are not known for their dynamic passing attacks. The Wolfpack passed for 265 yards against them while generating 401 total yards and those 48 points. The Thundering Herd have forced three turnovers in their last two games — but they have failed to cover the point spread in 5 of their last 6 games after forcing two or more turnovers in their last game and they have failed to cover the point spread in 12 of their last 15 games after forcing three or more turnovers in two straight games.

FINAL TAKE: Georgia State will have revenge on their mind from a 28-23 loss at Marshall last November 26th. The Panthers have covered the point spread in 27 of their last 39 games in October — and they have covered the point spread in 11 of their last 15 games with the Total set in the 49.5-56 point range. Marshall has failed to cover the point spread in 6 of their last 9 games in October — and they have failed to cover the point spread in 6 of their last 7 games with the Total set in the 49.5-56 point range. 10* CFB Marshall-Georgia State ESPN2 Special with the Georgia State Panthers (160) minus the point(s) versus the Marshall Thundering Herd (159). Best of luck for us — Frank.

At 7:00 PM ET on Saturday, we will be playing the Air Force Falcons (182) minus the points versus the Wyoming Cowboys (181). THE SITUATION: Air Force (5-0) remained unbeaten this season after their 49-10 thrashing of San Diego State as a 10.5-point favorite on September 30th. Wyoming (5-1) has won three games in a row after their 24-19 upset victory against Fresno State as a 6-point underdog last Saturday.

REASONS TO TAKE THE FALCONS MINUS THE POINTS: After upsetting the undefeated Bulldogs last week despite only outgaining them by five net yards, look for the Cowboys to experience a big letdown this week. We were on this Wyoming team last week — but they have been fortunate to beat Texas Tech and Appalachian State in wild endings despite getting outgained in yardage in both games. The Cowboys are only outscoring their opponents by +2.0 net Points-Per-Game — and they are getting outgained by -49.5 net Yards-Per-Game. Wyoming has failed to cover the point spread in 8 of their last 13 games after a point spread win. They have also failed to cover the point spread in 37 of their last 58 games after winning three of their last four games including a failure to cover the point spread in five of those last seven circumstances. Now this team goes on the road for just the second time this season after playing five of their first six games at War Memorial in Laramie where they enjoy an altitude edge. They may be without their top running back Harrison Waylee for this contest after he left last week’s game with a lower-body injury. While the Cowboys played Texas tough in their previous road game, this is a bad matchup for them against the Air Force spread triple option. Wyoming gave up more than 7.0 Yards-Per-Carry against New Mexico and Appalachian State generated 217 rushing yards against them. They also rank 91st in the nation in Opponent Quality Drives Allowed that measures drives of at least ten plays and 50 yards that take at least three minutes off the clock. This Air Force offense is dominant — they rank second in the nation in Points-Per-Drive and they lead the nation in Finishing Drives. Their rushing attack ranks seventh in Success Rate fueled by an experienced offensive line that ranks sixth in the FBS in Line Yards. The Falcons have won 9 of their last 13 games after a win against a Mountain West Conference rival — and they have covered the point spread in 8 of their last 11 games after a double-digit victory against a conference foe. They have rushed for at least 287 yards in their last three games — and they have covered the point spread in 6 of their last 7 games after rushing for at least 275 yards in three straight games. The Air Force defense has also been outstanding as they have held their five opponents to just 12.2 PPG — and they rank sixth in the nation by allowing only 4.27 Yards-Per-Play. The Falcons’ defense ranks 12th in the nation in Opponent Quality Drive Allowed and 18th in Points Allowed-Per-Drive.

FINAL TAKE: Air Force will have revenge on their minds after getting upset in Laramie against Wyoming by a 17-14 score as a 16.5-point favorite on September 16th last season. Laying double-digits with a methodical service academy can be dangerous — but this Falcons team has won all five of their games by double-digits with four of those victories by 18 or more points. They have been held below 39 points only once this season while scoring 39, 45, and 49 points in their last three games — and they have covered the point spread in 5 of their last 6 games after scoring 31 or more points in two straight games. 25* CFB Mountain West Conference Game of the Month is with the Air Force Falcons (182) minus the points versus the Wyoming Cowboys (181). Best of luck for us — Frank.

At 6:30 PM ET on Saturday, we will be playing the Pittsburgh Panthers (146) plus the points versus the Louisville Cardinals (145). THE SITUATION: Pittsburgh (1-4) has lost four games in a row after their 38-21 upset loss as a 2.5-point favorite back on September 30th. Louisville (1-4) remained unbeaten this season with their 33-20 upset win at home against Notre Dame as a 6-point underdog last Saturday night.

REASONS TO TAKE THE PANTHERS PLUS THE POINTS: Louisville comes off their emotional high-profile victory against the Fighting Irish — but I expect a letdown for them tonight. The Cardinals have failed to cover the point spread in 14 of their last 21 games after winning five or more games in a row. And while they outrushed the Irish by 141 net yards, they have then failed to cover the point spread in 5 of their last 7 games after outrushing their previous opponent by +125 or more Yards-Per-Game. The main question I had for this team in my offseason deep dive regarded how close could the Cardinals come to replicating the recent success of the Purdue offense. Former quarterback Jeff Brohm returned to his alma mater after serving as the head coach of the Boilermakers for five seasons and leading them to the Big Ten Championship Game last season. He installed his version of an Air Raid attack — and he brought in his former QB Jack Plummer to operate the offense after passing for 6500 yards in his career which includes four years at Purdue. But the senior graduate transfer left the Purdue program a year ago for California because he lost the starting QB job to Aidan O’Connell — and the Cardinals lost three of their top four receivers from last season. Plummer had 19 Big Time throws for the Golden Bears last season — but he also had 18 turnover-worthy plays. Brohm has worked the transfer portal by bringing in over 25 new players — but most of these players come from non-Power Five conference programs. The defense replaces NFL players on all three levels. The Louisville faithful could not be more thrilled with the results with the perfect 6-0 start with a victory against Notre Dame — but dark clouds are looming. Plummer continues to be too loose with the football with six interceptions already. The Cardinals still enjoy a +14 net turnover margin this year — but that clip is simply unsustainable. This will be only their second true road game this season with two of their away games played on neutral fields. While they are overachieving ESPN’s Bill Connelly’s SP+  projections by +15.1 points when playing at home this season, they are underachieving the SP+ projections by -8.0 points when they are on the road. Now here comes an angry Pittsburgh team with an extra week to rest and prepare — and they have covered the point spread in 3 of their last 4 games after an upset loss. The Panthers have also covered the point spread in 4 of their last 5 games after allowing 37 or more points in their last game. The main offseason question I had for Pitt was whether head coach Pat Narduzzi had raised the ceiling of expectations for this program — or is this a football team that will take a step or two back this season. The Panthers have won 20 games in the last two years after following up their Kenny Pickett ACC Championship team with a 9-4 record last season. But after losing seven players on defense to the NFL, they only return 12 starters this year. The last time Pitt had won more than eight games before this current run was back in 2009 when they went 10-3. Narduzzi was aggressive in the transfer portal again after bringing in Kedon Slovis from USC last season (to up-and-down results) — senior Phil Jurkovec comes in after 24 starts at Boston College and sophomore Christian Veilleux enters the program after being a blue-chip recruit at Penn State. Unfortunately, this team has underachieved SP+ projections in each of their games this season — so Narduzzi used the bye week to make some fundamental changes. One of the tweaks we know about is that he is benching Jurkovec at quarterback and tapping Veilleux as his new starter under center. After scoring 23.4 PPG, things cannot get much worse on that side of the ball. The element of surprise should help the Panthers tonight.

FINAL TAKE: It is surprising that a Narduzzi-coached defense is not forcing more than turnovers — they have only four takeaways this season and not more than one in a game yet. Forcing turnovers was likely another area of emphasis in the last two weeks — especially with Plummer vulnerable to throwing interceptions. The Panthers have covered the point spread in 51 of their last 81 games after not forcing more than one turnover in two games in a row — and they covered the point spread in 23 of their last 37 games after not forcing two or more turnovers in three straight games and they have covered the point spread in 10 of their last 16 games after not forcing two or more turnovers in four straight games. 8* CFB Louisville-Pittsburgh on The CW Special with Pittsburgh Panthers (146) plus the points versus the Louisville Cardinals (145). Best of luck for us — Frank.

At 5:00 PM ET on Saturday, we will be playing the Nevada Wolf Pack (186) plus the points versus the UNLV Rebels (185). THE SITUATION: Nevada (0-5) remained winless this season after their 27-9 loss at Fresno State as a 25.5-point underdog back on September 30th. UNLV (4-1) has won three games in a row after their 44-20 victory against Hawai’i as an 11-point favorite two Saturdays ago.

REASONS TO TAKE THE WOLF PACK PLUS THE POINTS: Nevada has endured one of the more difficult schedules this season with games at USC, Fresno State, and a feisty Texas State team this season along with a home game against Kansas. They were underdogs of 17 or more points in all four of those contests. The main question I had for this team in my deep dive in the offseason was whether second-year head coach Ken Wilson could raise the floor as to what to expect from his defense. The former Oregon defensive coordinator inherited a dumpster fire last year after the Wolf Pack’s previous head coach Mike Norvell took many of the players with him when he bolted for the Colorado State job. Only 22% of the production from 2021 returned to Reno last season. But the Wolf Pack did hold eight of their opponents to just 23.3 PPG and 4.9 Yards-Per-Play with the potent offenses from Boise State, Fresno State, Air Force, and Incarnate Word being the outliers. Eight starters are back on that side of the ball. Last year’s team continued to improve as the season moved on — and I expect the same this year. Coming off a bye week and now hosting an in-state rival, I expect a spirited effort. Nevada has covered the point spread in 15 of their last 20 home games after failing to score more than 14 points in their last game. They have also covered the point spread in 20 of their last 33 home games with the Total set in the 49.5-56 point range. They have played four straight Unders after USC put up 66 points against them in their opening game — and they have covered the point spread in 8 of their last 13 games after playing an Under in their last game. They have also covered the point spread in 8 of their last 10 games after playing four or more Unders in a row. And while the Wolf Pack have allowed exactly 475.0 Yards-Per-Game in their last three games, they have then covered the point spread in 30 of their last 45 games after allowing 475 YPG in their previous three games. UNLV has failed to cover the point spread in 10 of their last 11 road games after a double-digit win against a conference rival. They have also failed to cover the point spread in 11 of their last 16 games after winning three of their last four games. The main offseason question I had for UNLV was if first-year head coach Barry Odom could instill some life in what is now the afterthought football team in Las Vegas, The Rebels have not played in a bowl game since 2013 — and they have posted a 29-74 record in the last ten seasons. Odom is a good football who had some competitive teams in his four-year run as the head coach at Missouri from 2016 to 2019 before serving as the defensive coordinator at Arkansas in the last three seasons. His vast experience in the SEC offers some much-needed gravitas to this program. So far so good for this team by overachieving expectations with a 4-1 record with their lone loss being at Michigan. But Odom has taken advantage of a light schedule that has included an FCS program (Bryant), UTEP, and an underachieving Vanderbilt team before the conference win against the Rainbow Warriors. Kudos to the Rebels for winning the turnover battle in their last four games — but they have then failed to cover the point spread in 21 of their last 29 games after enjoying a +1 or better turnover battle in two straight games. And while they have held their last three opponents to 91 or fewer rushing yards, they have then failed to cover the point spread in 8 straight games on the road after holding at least two straight opponents to less than 100 rushing yards.

FINAL TAKE: I like this spot for the Wolf Pack who I suspect are undervalued coming into this game — and the Rebels are probably a bit overvalued with their nice start. The preseason expectations for these teams were about the same — and UNLV is using a freshman Jayden Maiava under center which can lead to some issues when playing on the road in hostile environments. Nevada will be motivated to avenge a 27-22 loss at UNLV last November — and the Rebels have failed to cover the point spread in 21 of their last 30 games when favored by 3.5 to 10 points. 10* CFB Saturday Afternoon Discounted Deal with the Nevada Wolf Pack (186) plus the points versus the UNLV Rebels (185). Best of luck for us — Frank.

At 10:00 PM ET on Saturday, we will be playing the California Golden Bears (382) plus the points versus the Oregon State Beavers (381). THE SITUATION: California (3-2) has won two of their last three games after their 24-21 win at Arizona State as a 13-point favorite on Saturday. Oregon State (4-1) comes off a 21-7 win against Utah as a 4-point favorite last Friday.

REASONS TO TAKE THE GOLDEN BEARS PLUS THE POINTS: California survived their game with the Sun Devils despite getting outgained by -104 net yards in that game. They have covered the point spread in 11 of their last 17 games after getting outgained by -125 or more yards in their last contest. The Golden Bears have also covered the point spread in 9 of their last 12 games after a point spread loss. Cal has not covered the point spread in three straight games — but they have then covered the point spread in 4 of their last 5 games after facing to cover the point spread in three of their last four games. The biggest question I had for this team in my deep dive in the offseason was whether head coach Justin Wilcox’s aggressiveness in the transfer portal would lead to the results on the field that would get him off the hot seat in his seventh year with the program. Bringing in transfer players at a place like Cal with its high academic standards is tough — but the Admissions Department has been more engaged in working with the Athletic Department in accommodating the admission and enrollment of potential transfers. After three straight losing seasons, Wilcox needed to change something else besides changing the offensive coordinator, although he did do that for the third straight year as well. Wilcox tapped 19 transfers overall with seven of these players being former blue-chippers like sophomore quarterback Sam Jackson V who comes over from TCU where he was a four-star recruit. With these players joining 17 starters from last year, the Golden Bears have the opportunity to turn around a program that finished 4-8 last season. The results on the field so far have been encouraging with their two losses being when they were underdogs against Auburn and then at Washington. My biggest question for Oregon State in the preseason was whether they could take the next step and challenge for a Pac-12 Championship. They won their final four games of the season including a 30-3 dominant win over Florida in the Las Vegas Bowl to complete a 10-3 campaign. But all three of their losses were in conference play where they finished a solid 6-3 — but they lost to both USC and Washington by a field goal and got thumped by Utah by a 42-16 score in Salt Lake City. Head coach Jonathan Smith has 13 starters back in his sixth year with the program  — and he may have scored an upgrade at quarterback with D.J. Uigalelei transferring in from Clemson. The former five-star recruit had a 22-9 career record as a starter for the Tigers. But despite a good opening game at San Jose State, Uigalelei has demonstrated the frustrating form that led to his being benched by Dabo Swinney in the ACC Championship Game and then the Tigers’ bowl game. He has completed only 50.6% of his passes in his last three games while throwing four interceptions. The Beavers are very tough to beat in Corvallis — but they hit the road again after getting upset by Washington State in their last game away from home three weeks ago. Oregon State has failed to cover the point spread in 8 of their last 13 games on the road — and they have failed to cover the point spread in 4 of their last 5 road games as a favorite of no more than seven points.

FINAL TAKE: Cal has been a dangerous underdog under Wilcox. The Golden Bears have covered the point spread in 12 of their last 16 home games as an underdog. 8* CFB Saturday Late Show Bailout with the California Golden Bears (382) plus the points versus the Oregon State Beavers (381). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Wyoming Cowboys (370) plus the points versus the Fresno State Bulldogs (369). THE SITUATION:  Wyoming (4-1) has won two games in a row after their 35-26 win against New Mexico as a 14.5-point favorite last Saturday. Fresno State (5-0) remained unbeaten this season with their 27-9 win against Nevada as a 25.5-point favorite on Saturday.

REASONS TO TAKE THE COWBOYS PLUS THE POINTS: Wyoming’s lone this season was at Texas where they were tied with the Longhorns in the fourth quarter before they pulled away late for a 21-point victory. Since that loss, the Cowboys returned home where they beat Appalachian State and then the Lobos last week. Wyoming has covered the point spread in 15 of their last 21 games after winning two straight games — and they have covered the point spread in 8 of their last 9 games after winning two straight games at home. The question I had in my preseason deep dive for this team was whether this was the year that the Cowboys took the next step to challenge for the Mountain West Conference title. Under head coach Craig Bohl, this team has finished .500 or better in six of the last seven years with the 2020 COVID season being the lone exception when they were 2-4. Their 5-3 record in conference play last season was their best mark against MWC foes since 2016. Bohl has 15 starters back from last year’s group including ten starters on defense along with 13 of the 16 players who played at least 250 snaps — and ten of those players were freshmen or sophomores. Five starters are back on offense including fifth-year senior quarterback Andrew Peasley. The Cowboys conclude their three-game home stand tonight at War Memorial Stadium where they are very tough to beat. Wyoming has a 41-21 straight-up record at home in the last ten seasons after their 4-0 start this year which includes that win against Appalachian State as well as an upset win against Texas Tech in overtime. They are scoring 30.8 Points-Per-Game at home while holding their opponents to just 23.8 PPG. They have a nice weapon developing at running back in junior Harrison Waylee. In his three games since taking the field this season, the Northern Illinois transfer has rushed for 457 yards with an 8.6 Yards-Per-Carry average. The Cowboys have covered the point spread in 5 of their last 6 games at home as an underdog getting 3.5 to 7 points. Bohl’s team has also forced at least one turnover in each of their games — and they have won the turnover battle in their last two contests. Wyoming has then covered the point spread in 12 of their last 17 games after enjoying a +1 or better turnover margin in two straight games. After two straight games at home, Fresno State goes back on the road for the third time this season — and they have failed to cover the point spread in 13 of their last 19 games after winning their last two games at home. The Bulldogs generated 6.95 Yards-Per-Play last week against the Wolf Pack — but they have failed to cover the point spread in 10 of their last 14 games after averaging 6.25 or more YPP in their last game. They averaged 7.66 YPP in their previous game against Kent State as well — but they have failed to cover the point spread in 5 straight games after generating 6.25 or more YPP in their last two games. Fresno State is considered the best Group of Five team by many observers after outgaining their last three opponents by +197 net Yards-Per-Game — but they have then failed to cover the point spread in 9 of their last 14 games after outgaining their last three opponents by +125 or more YPG. The main question I had for the Bulldogs in the offseason was how close could they come to replacing the production that Jake Haener provided them at quarterback the last three seasons. Junior Logan Fife had five starts last year when Haener got injured early in the season. Head coach Jeff Tedford also brought sophomore Mike Keene from Central Florida via the transfer portal. Only four starters on the offensive line return for the entire offensive unit that ranked 51st and 52nd in the nation by scoring 30.6 PPG and averaging 402.8 YPG. Five of the top six targets in the passing game must be replaced along with running back Jordan Mims who rushed for 1370 yards with 18 rushing touchdowns last year. So far so good. Keene has won the quarterback job and ranks 11th in the nation with 1474 passing yards. The Bulldogs have victories against two Power Five conference programs in Purdue and Arizona State — but both of those teams are rebuilding under first-year head coaches. This game is just the third time this season that Fresno State is not favored by 25 or more points.

FINAL TAKE: This showdown has definitely been on the mind of Bohl after his team has been shut out in two straight years against Fresno State. The Bulldogs are holding their opponents to just 282.0 total YPG this year — but the Cowboys have covered the point spread in 4 of their last 5 games against opponents not allowing more than 280 YPG. 25* CFB Mountain West Conference Underdog of the Month with the Wyoming Cowboys (370) plus the points versus the Fresno State Bulldogs (369). Best of luck for us — Frank.

At 3:00 PM ET on Saturday, we will be playing the UCLA Bruins (380) minus the points versus the Washington State Cougars (379). THE SITUATION: UCLA (3-1) was on a three-game winning streak to begin the season before a 14-7 loss at Utah as a 3-point underdog two weeks ago on September 23rd. Washington State (4-0) remained unbeaten this season after their 38-35 upset win against Oregon State as a 3-point underdog on September 23rd.

REASONS TO TAKE THE BRUINS MINUS THE POINTS: UCLA outgained the Utes in that loss by a 243-219 yardage margin — but they could not overcome a 21-yard interception returned for a touchdown. Freshman Dante Moore played his worst game in his young career by completing only 15 of 38 passes for 234 yards with that pick-six. Expect the former five-star recruit to play better this week with an extra week off to digest his experience against the stout Utah defense. The Bruins have covered the point spread in 7 of their last 10 games after a loss on the road to a Pac-12 rival under head coach Chip Kelly. They have also covered the point spread in 15 of their last 23 games after not allowing more than 14 points in their last game in the Kelly era. It appears that Kelly may have finally found his man to run the defense with first-year defensive coordinator D’Anton Lynn after years of difficulties with Jerry Azzinaro and then Bill McGovern last year as the DC. Lynn was the Baltimore Ravens safeties coach last season — and his defense this season leads the nation by allowing only 3.75 Yards-Per-Play while ranking second in the nation in Points Allowed Per Drive. They have held their last three opponents to 236.7 Yards-Per-Game — and they have covered the point spread in 6 of their last 7 games after not allowing more than 250 YPG in their last three contests. UCLA has also covered the point spread in 20 of their last 29 games in October. Washington State is riding high after their upset win against the Beavers with quarterback Cameron Ward being in the Heisman Trophy discussion. The Cougars offense has been clicking by generating at least 8.1 YPP in their last two games — but they have failed to cover the point spread in 6 of their last 7 games after averaging 7.25 or more YPP in two straight games. They have also raced out to at least two touchdown leads at halftime in three straight games — but they have then failed to cover the point spread in 7 of their last 9 games after holding a double-digit lead in three straight games. This team may suffer an emotional letdown now — especially with the extra week off. Washington State has failed to cover the point spread in all 3 of their games with an extra week off under head coach Jake Dickert.

FINAL TAKE: The Cougars score 45.8 PPG this season — but Kelly’s teams have covered the point spread in 13 of their last 19 games in his career against teams who average 37 or more PPG. 10* CFB Saturday Afternoon Discounted Deal with the  UCLA Bruins (380) minus the points versus the Washington State Cougars (379). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the LSU Tigers (357) plus the points versus the Missouri Tigers (358). THE SITUATION: LSU (3-2) had their three-game winning streak snapped with a 55-49 upset loss at Mississippi as a 2.5-point road favorite last Saturday. Missouri (5-0) remained unbeaten with their 38-21 win at Vanderbilt as a 14-point favorite on Saturday.

REASONS TO TAKE LSU MINUS THE POINTS: It has been a disappointing season for the LSU Tigers who began the year with National Championship aspirations. But expect them to take out their frustrations on Missouri. LSU has covered the point spread in 34 of their last 51 games on the road after a straight-up loss. And while they have not covered the point spread in two straight games, they have then covered the point spread in 4 straight games after failing to cover the point spread in their last two games. LSU has been a sieve on defense after allowing 31 or more points in each of their last two games — but they have covered the point spread in 10 of their last 16 games after allowing 31 or more points in two straight games. They have also covered the point spread in 13 of their last 19 games after allowing 42 or more points in their last contest. They are getting great play from quarterback Jayden Daniels who ranks ninth in the nation in Total QBR — and they have covered the point spread in 5 of their last 6 games after scoring 42 or more points in their last game. Missouri dominated the Commodores last week by outgaining them by +232 net yards — but they have failed to cover the point spread in 7 of their last 8 games after outgaining their last opponent by +225 or more YPG. Mizzou has played three straight Overs — but they have failed to cover the point spread in 13 of their last 18 games after playing three or more Overs in a row. This team has been one of the surprises of the season with sophomore wide receiver Luther Burden III as their breakout star. But this is just the second time they have been an underdog this season — and while they upset Kansas State at home earlier this year, that Wildcats team was woeful last night in Stillwater against Oklahoma State. LSU will be the best team they have played this season — by far.

FINAL TAKE: Missouri has failed to cover the point spread in 10 of their last 16 home games when getting 3.5 to 7 points — and LSU has covered the point spread in 14 of their last 20 road games when laying 3.5 to 7 points. 10* CFB LSU-Missouri ESPN Special with the LSU Tigers (357) plus the points versus the Missouri Tigers (358). Best of luck for us — Frank.

At 8:00 PM ET on Wednesday, we will be playing the Middle Tennessee Blue Raiders (302) minus the points versus the Jacksonville State Gamecocks (301). THE SITUATION: Middle Tennessee (1-4) has lost two games in a row after their 31-10 loss at Western Kentucky as a 6.5-point underdog last Thursday. Jacksonville State (4-1) has won two games in a row after their 35-28 upset win in overtime at Sam Houston State as a 7-point underdog on Thursday.

REASONS TO TAKE THE BLUE RAIDERS MINUS THE POINTS: Middle Tennessee dug themselves a hole last week by going into halftime trailing by a 23-3 score — but they have then covered the point spread in 4 of their last 5 games after trailing by 17 or more points at halftime of their last game. They have also covered the point spread in 5 of their last 7 games after a loss by 17 or more points — and they have covered the point spread in 28 of their last 41 games after a loss on the road by 21 or more points. And while this team has not covered the point spread in three straight games while only covering once all season, they have covered the point spread in 13 of their last 21 games after failing to cover the point spread in four of their last five games. My biggest question for this team in my offseason deep dive was whether or not the Blue Raiders would be a better team this season but fail to replicate or improve on their 8-5 record. Head coach Rick Stockstill’s squad pulled off five upsets and benefited from a +12 net turnover margin which made up for a -44 net Yards-Per-Game mark in Conference USA play. The defense has eight starters back along with 12 of the 15 players who logged in at least 300 snaps. The offense has five starters back along with sophomore Nick Vattiato who was the Conference USA Freshman of the Year in 2021 while earning MVP in the Bahamas Bowl before only playing in two games last season with senior Chase Cunningham returning from injury to reclaim the starting job. They did win five of their last six games including a 25-23 win against San Diego State in Hawai’i Bowl. Turnovers are playing a role with Middle Tennessee sporting a -3 net turnover margin — and they have committed five turnovers in their last two games. They had a -2 net turnover margin last week — but they have then covered the point spread in 43 of their last 65 games after a game where they had a -2 or worse net turnover margin including four straight point spread covers after a -2 or worse net turnover margin. The Blue Raiders have also had a tough opening schedule that started with road trips to Alabama and Missouri. Jacksonville State has benefited from a soft early schedule with four Group of Five opponents and an FCS school. They trailed by a 21-7 score at Sam Houston State before forcing overtime where they pulled that game out. They were very fortunate to win that game after getting outgained by -42 net yards. They gave up 299 yards in the air to the Bearkats — so Middle Tennessee quarterback Nick Vattiato should have a good game. The sophomore completed 27 of 45 passes for 252 yards in a losing effort to the Hilltoppers last week. The biggest question I had for Jacksonville State in the offseason regarded whether this FBS debutant would find immediate success like James Madison last year. In going 9-2 last season, only one of their opponents was an FBS opponent. The defense lost three of their top six tacklers and now faces a full FBS schedule while playing in Conference USA. Their defense has put up gaudy numbers against UTEP, Eastern Michigan, and Eastern Tennessee State — but that may speak more to the quality of those opponents. Coastal Carolina and Sam Houston State generated 399 and 435 yards against them.

FINAL TAKE: Middle Tennessee has covered the point spread in 8 of their last 12 games at home. 8* CFB Wednesday Night Discounted Deal with the Middle Tennessee Blue Raiders (302) minus the points versus the Jacksonville State Gamecocks (301). Best of luck for us — Frank.

At 4:00 PM ET on Saturday, we will be playing the Vanderbilt Commodores (204) plus the points versus the Missouri Tigers (203). THE SITUATION: Vanderbilt (2-3) has lost three games in a row after their 45-28 loss at home to Kentucky as a 13-point underdog last Saturday. Missouri (4-0) is unbeaten this season after their 34-27 victory as a 6.5-point favorite on Saturday.

REASONS TO TAKE THE COMMODORES PLUS THE POINTS: Vanderbilt was only outgained by 37 net yards to the Wildcats — but they surrendered two defensive touchdowns from interceptions that made the difference in the game. This Commodores team is actually outscoring and outgaining their opponents in yardage — but they have lost the turnover battle in each of the games in their three-game losing streak. Vanderbilt has covered the point spread in 14 of their last 20 games after suffering a -1 or worse turnover margin in three or more games in a row. Additionally, the Commodores have covered the point spread in 6 of their last 9 games after a loss at home — and they have covered the point spread in 6 of their last 9 games after a double-digit loss to an SEC rival. They have covered the point spread in 6 of their last 7 games after losing three or more games in a row. And while they have surrendered at least 36 points in their last three games, they have then covered the point spread in 11 of their last 17 games after allowing 31 or more points in three straight games. The biggest question I had with this team in my preseason deep dive was whether teaching and coaching player development could overcome the hits they keep taking in the transfer portal. Head coach Clark Lea lost 12 players in the transfer window to fellow Power-5 programs in the last two seasons. But for the first time in five years, this team has continuity with both their offensive and defensive coordinator from the previous year. Missouri is unbeaten — but three of their four victories have been by seven points or less. They had the fewest Big Plays in the nation after their first two games against South Dakota and Middle Tennessee — and they beat the Blue Raiders by only four points despite being a three-touchdown favorite. The Tigers have failed to cover the point spread in 6 of their last 8 games after a game where 60 or more combined points were scored. And while they have played two straight Overs, the Tigers have failed to cover the point spread in 5 of their last 6 games after playing two or more Overs in a row. My biggest question with this team in the offseason was whether they would continue to underwhelm on offense under head coach Eli Drinkwitz. The former Appalachian State head coach was hired to install his innovative pro-style offense that featured multiple personnel groupings in a no-huddle attack. But the Tigers have not ranked higher than 59th in the FBS in scoring and 61st in total yardage in his first three seasons. Seven starters are back on offense from a unit that scored only 24.8 PPG and generated 369.8 YPG last year, ranking 85th and 81st in the nation. Drinkwitz relinquished the play-calling to his new offensive coordinator Kirby Moore who comes over after two seasons as the OC at Fresno State. After two subpar games, junior quarterback Brady Cook has had two good games in a row — but now this will be Missouri’s first true road game in a hostile environment this season. The Tigers also have a showdown against LSU on deck next week — so the look-ahead issue could be a factor. They have failed to cover the point spread in 14 of their last 22 road games with the Total set in the 52.5-56 point range.

FINAL TAKE: The Commodores will be looking to avenge a narrow 17-14 loss at Missouri last October — and Lea led his team to scrappy upset victories against Florida and Kentucky last year. Missouri had four losses against SEC competition by 18 combined points — but they have failed to cover the point spread in 5 of their last 6 games when laying 10.5-21 points. 25* College Football Underdog of the Month is with Vanderbilt Commodores (204) plus the points versus the Missouri Tigers (203). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the Illinois Fighting Illini (181) plus the point(s) versus the Purdue Boilermakers (182). THE SITUATION: Illinois (2-2) snapped a two-game losing streak with their 23-17 win against Florida Atlantic as a 16.5-point favorite last Saturday. Purdue (1-3) has lost two games in a row after a 38-17 loss to Wisconsin as a 6-point underdog on Saturday.

REASONS TO TAKE THE BADGERS PLUS THE POINTS: The Illini’s win against FAU finished Under the Total that was in the 45.5-point range. The Fighting Illini have covered the point spread in 11 of their last 17 games after playing a game that finished Under the Total. Illinois is playing low-scoring games with their last three games going Under the Total which has to please head coach Bret Bielema who would prefer to grind out lower-scoring games — and they have covered the point spread in 17 of their last 23 games on the road after playing two Unders in a row. They have also covered the point spread in 11 of their last 12 road games after playing three straight Unders. My biggest question for this team in my preseason deep dive was considering how close could the Fighting Illini get to replicating the performance of their defense that led the nation by holding their opponents to 12.8 PPG and ranked third in the FBS by allowing only 273.5 YPG? Bielema has already made this program the new Wisconsin in his third year with the program (especially with the sacrilege of the Badgers moving to an Air Raid offense this season). He lost four defensive backs who got drafted into the NFL — along with running back Chase Brown who led Power Five teams in rushing. Some red flags exist. After holding their first nine opponents to just 232 YPG, their last four opponents generated 367 YPG against them. It was going to be difficult to repeat their +15 net turnover margin which was the third-best mark in the FBS. But bringing Bielema’s smash-mouth football to Champagne improved the scoring by +4.1 PPG — and they outgained their conference opponents by +75 net YPG, the fourth-best mark in the Big Ten. All four of their conference losses were by one scoring possession — and ten All-Big performers return to the roster. So far this season, the turnover luck from last year has completely flipped as they have a -5 net turnover with five of their ten turnovers taking place against Penn State. But their two losses to Kansas and the Nittany Lions were against teams currently posting a combined 8-0 record. The Illini come off their best defensive game of the season by holding the Owls to just 353 total yards. Purdue has not covered the point spread in their last two games — and they have failed to cover the point spread in 6 straight games at home after not covering the point spread in two of their last three games. My main question for the Boilermakers in the offseason was how first-year head coach Ryan Walters would mesh with his offensive coordinator Graham Harrell who will be installing an Air Raid offense he previously oversaw at West Virginia and USC. Walters previously served as the defensive coordinator at Missouri and then Illinois last year which were mostly defensive-oriented smash-mouth teams. Walters’ last season with Missouri was in the first season under Eliah Drinkwitz in 2020 when he installed a no-huddle attack — and that Mizzo team gave up 49.3 Points-Per-Game in their last three games. Walters was not retained the next season which allowed Bielema to snatch him up when he took the Illinois head coaching job in 2021. So far, this marriage is not working. In their three games at home, the Boilermakers are allowing 444.3 total YPG which has resulted in them spotting their guests 37.3 PPG.

FINAL TAKE: Purdue has failed to cover the point spread in 8 of their last 9 games at home — and they have failed to cover the point spread in 4 of their last 5 games at home as an underdog. 8* CFB Saturday Afternoon Discounted Deal with the Illinois Fighting Illini (181) plus the point(s) versus the Purdue Boilermakers (182). Best of luck for us — Frank.

At 10:15 PM ET on Friday, we will be playing the Cincinnati Bearcats (119) minus (or plus) the point(s) versus the BYU Cougars (120). THE SITUATION: Cincinnati (2-2) has lost two games in a row after their 20-6 loss to Oklahoma as a 13.5-point underdog last Saturday. BYU (3-1) had their three-game winning streak snapped in a 38-27 loss at Kansas as a 9-point underdog on Saturday.

REASONS TO TAKE THE BEARCATS MINUS (OR PLUS) THE POINT(S): Cincinnati failed to deliver in the Red Zone last week or they could have upset the Sooners — they scored only six points in their six trips inside Oklahoma’s 20-yard line and they scored only a field goal in their final four trips inside the Red Zone. And in their loss to Miami (OH) the previous week, they outgained the Redhawks by a 538-358 margin in yards and on the first down battle by a 30-16 margin but still managed to lose the game by a 31-24 score. My biggest question regarding this team in the preseason was whether former head coach Luke Fickell left this program at just the right time. After six seasons coaching the Bearcats, Fickell took the head coaching job at Wisconsin. The Cincinnati brass turned to Scott Satterfield who had four up-and-down seasons at Louisville where he often seemed to have one foot out the door with his battles with their administration. Only nine starters are back from last year’s group that finished 9-4 after a 24-7 loss against the Cardinals in the Fenway Bowl in Satterfield’s last game coaching for Louisville. Now the Bearcats make their debut in a Power Five conference with their move from the American Athletic Conference to the Big 12. But Satterfield’s teams have covered the point spread in 7 of their last 10 games after losing two games in a row. Cincinnati has covered the point spread in 8 of their last 13 games after failing to score more than six points in their last game — and Satterfield’s teams have covered the point spread in 9 of their last 12 games after failing to score more than 14 points in their last contest. Satterfield’s teams have also covered the point spread in 5 of their last 7 games after a loss at home to a conference rival. BYU had two Kedon Slovis interceptions returned for touchdowns in their loss to Kansas last week. After committing 16 turnover-worthy plays last season playing at Pittsburgh, he already has six turnover-worthy plays this season. The Cougars' game-calling is not helping him out either — as they rank 120th in the nation in Rushing Rate while ranking last in the FBS in Rushing Success Rate. The BYU offensive line was completely remade in the offseason with their two returning starters changing positions to accommodate transfers and new starters. It’s not working — they are allowing a pressure rate of 33.3% of their snaps. The Cougars rank 125th in the nation in Line Yards — and this all results in them ranking 126th in the FBS in Success Rate Overall. My question for this team in my offseason deep-dive was whether the Cougars would have the physicality on their roster to sustain a full season of Power-Five conference play. Head coach Kalani Sitake’s team began their first season in the Big 12 with 15 starters back from last year’s team that finished 8-5. They closed out the year by winning four games in a row culminating in a 24-23 victory against SMU in the New Mexico Bowl. Only five of their games were against Power-Five conference opponents or Notre Dame last year — and they went 2-3 in those five contests. Depth is a big concern for the roster — and they only returned two starters apiece on the offensive and defensive lines. BYU return home after playing their last two games on the road with the trip beginning with a 38-31 win at Arkansas — but they have failed to cover the point spread in 32 of their last 44 games after a two-game road stand. They have failed to cover the point spread in 14 of 19 home games after playing two games in a row where 60 or more combined points were scored.

FINAL TAKE: In the Cougars' last 9 home games as an underdog, they have failed to cover the point spread 6 times. 10* CFB Friday Late Show Bailout with the Cincinnati Bearcats (119) minus (or plus) the point(s) versus the BYU Cougars (120). Best of luck for us — Frank.

At 7:00 PM ET on Friday, we will be playing the North Carolina State Wolfpack (114) plus the points versus the Louisville Cardinals (113). THE SITUATION: North Carolina State (3-1) comes off a 24-21 win at Virginia as a 7.5-point favorite last Saturday. Louisville (4-0) has won their first four games after their 56-28 win against Boston College as a 14-point favorite on Saturday.

REASONS TO TAKE THE WOLFPACK PLUS THE POINTS: The Wolfpack have not covered the point spread yet this season — but they have covered the point spread in 11 of their last 17 games after failing to cover the point spread in four games in a row. They are riding a two-game winning streak coming into this game — and they have covered the point spread in 4 of their last 6 games after winning but failing to cover the point spread in their last two games as the favorite. My question for this team before the season started regarded whether or not they would pass the ball as much as the 2021 Virginia team that also had Brennan Armstrong at quarterback and Robert Onae as the offensive coordinator. Eleventh-year head coach Dave Doeren picked up Armstrong in the transfer portal from Virginia and reunited the Cavaliers three-year captain with his offensive coordinator in his freshman and sophomore seasons before Onae moved to Syracuse for one season last year. Two years ago, Virginia scored 34.6 PPG and generated 514 YPG. But Doeren has tended to prefer more balance on offense in the past to help complement the Wolfpack defense that has ranked 19th and 21st in Total Yardage in the last two seasons. So far this season, Doeren has not given Onae the green light to unleash their passing attack as they are running the ball 65% of the time -- and Armstrong ranks 110th in Yards-Per-Attempt. But now hosting this Cardinals team that ranks 74th in the nation in Opponent Passing Success Allowed — and they have allowed all three of their FBS opponents to pass for at least 295 yards. Louisville has won both of their games this season decided by one scoring possession — although they did get outgained by Georgia Tech in their opener. The question I have for this team is how close can the Cardinals come to replicating the recent success of the Purdue offense? Former quarterback Jeff Brohm returned to his alma mater after serving as the head coach of the Boilermakers for five seasons and leading them to the Big Ten Championship Game last season. He installed his version of an Air Raid attack — and he brought in his former QB Jack Plummer to operate the offense after passing for 6500 yards in his career which includes four years at Purdue. But the senior graduate transfer left the Purdue program a year ago for California because he lost the starting QB job to Aidan O’Connell — and the Cardinals lost three of their top four receivers from last season. Plummer had 19 Big Time throws for the Golden Bears last season — but he also had 18 turnover-worthy plays. Brohm has worked the transfer portal by bringing in over 25 new players — but most of these players come from non-Power Five conference programs. The defense replaced NFL players on all three levels. Louisville has played two games on a neutral field already this year — but this will be their first game played in a hostile environment. The Cardinals gained 582 yards last week against the Eagles — but Brohm’s teams have failed to cover the point spread in 10 of their 14 games after they gained at least 575 yards in their last game. Additionally, Brohm’s teams have failed to cover the point spread in 10 of their last 15 games after scoring 50 or more points in their last game.

FINAL TAKE: North Carolina State will be looking to avenge their 25-10 loss at Louisville as a 4-point underdog last November 19th. They did beat the Cardinals by a 28-13 score the last time they hosted them at Carter-Finley Stadium back on October 30th 2021. 8* CFB Friday Daily Discounted Deal with the North Carolina State Wolfpack (114) plus the points versus the Louisville Cardinals (113). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the Penn State Nittany Lions (426) minus the points versus the Iowa Hawkeyes (425). THE SITUATION: Penn State (3-0) has won their first three games of the season after their 30-13 victory at Illinois as a 14-point road favorite last Saturday. Iowa (3-0) has won their first three contests after their 41-10 win against Western Michigan as a 28.5-point favorite on Saturday.

REASONS TO TAKE THE NITTANY LIONS MINUS THE POINTS: The question for the Hawkeyes entering the season was where they could develop an even mid-level offensive attack. They scored only 17.7 Points-Per-Game and generated just 251.5 total Yards-Per-Game last season, ranking 122nd and 129th in the nation. Head coach Kirk Ferentz, in his 25th year with the program, may be forced to abandon nepotism if things do not improve this year with his son, Brian, only renewed on a one-year contract to continue as the offensive coordinator with the stipulations being the team has to register at least seven wins while generating 25.5 PPG. The senior Ferentz turned to Michigan for help by bringing senior quarterback Cade McNamara and senior tight end Erick All as transfers to help jumpstart the offense. But there are reasons why both players were not first-stringers for the Wolverines last year. The Iowa defense should once again be thought with 10 of the 16 players who logged at least 200 snaps returning. They were second in the nation by allowing only 13.3 PPG and 270.8 YPG. But Ferentz’s style of play on offense helps the defense — so significant changes on offense could disrupt the formula on defense. Iowa scored only 24 and 20 points in their opening two games against Utah State and Iowa State. The Hawkeyes finally toppled their offensive coordinator’s necessary quota against the Broncos last week — but it was not because of their passing attack. McNamara only completed 9 of 19 passes for 103 yards with two touchdowns and two interceptions. He is a gamer who led Michigan to the College Football Playoff two years ago — but the Wolverines coaching staff moved off him for J.J. McCarthy because there is a ceiling to his potential given his arm talent. To make the situation even worse, McNamara will be undermanned this week due to injuries. Iowa will be without their top two running backs, Kaleb Johnson and Leshon Williams, as well as their top tight end Luke Lachey for this game. The Hawkeyes have failed to cover the point spread in 31 of their last 53 games after covering the point spread as a double-digit favorite in their last game. And while they have covered the point spread in their last two games as the favorite, they have then failed to cover the point spread in 18 of their last 28 games after covering the point spread as the favorite in two straight games. Penn State has covered the point spread in 40 of their last 63 games after a victory on the road against a Big Ten rival — and they have covered the point spread in 9 of their last 10 games after a point spread win. With two of the four College Football Playoff teams in their division in the Big Ten conference, can the Nittany Lions reach the elite level necessary to compete against Ohio State and Michigan? They have lost nine of their last 12 games against the traditional Big Two in the conference since 2017. Even worse, they are winless in their last ten games against top-ten opponents in the last six seasons under head coach James Franklin. The hope is that the team is ready to take this final step with the offense turning over to sophomore blue-chipper Drew Allar at quarterback after four years of the capable if unspectacular Sean Clifford under center. Allar struggled in his first start on the road in his career last week by completing only 16 of 33 passes for 208 yards. But the offense still generated 483 total yards against the Illini with Singleton and fellow sophomore Kaytron Allen leading a rushing attack that ran for 164 yards. The Hawkeyes' run defense may not be quite as stout this season — they rank 69th in the nation in Opponent Rush Success Rate Allowed and they rank 74th in Line Yards Allowed.  

FINAL TAKE: With rain expected with winds up to 10 miles per hour, the respective rushing attacks may be even more important tonight -- and that gives the edge to Penn State. The Nittany Lions have covered the point spread in 11 of their last 13 games when favored — and they have covered the point spread in 7 straight games when favored in the 10.5-14 point range after their late cover with Franklin’s aggressive late game management. 10* CFB Iowa-Penn State CBS-TV Special with the Penn State Nittany Lions (426) minus the points versus the Iowa Hawkeyes (425). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the Ohio State Buckeyes (423) minus the points versus the Notre Dame Fighting Irish (424). THE SITUATION: Ohio State (3-0) has won their first three games of the season after their 63-10 win against Western Kentucky as a 30-point favorite last Saturday. Notre Dame (4-0) has won their opening four games of the season with their 41-17 win against Central Michigan as a 35-point favorite on Saturday.

REASONS TO TAKE THE BUCKEYES MINUS THE POINTS: The Fighting Irish have dominated their first four opponents by scoring at least 41 points in all four of their games — and they have generated at least 456 yards in their last three games after putting up 444 total yards in Ireland against Navy in their opening game of the season. But Notre Dame has failed to cover the point spread in 15 of their last 24 games after scoring 31 or more points in four straight games — and they have failed to cover the point spread in 3 straight games after gaining at least 40 yards in three straight games. Can the Fighting Irish compete for the College Football Playoff by repeating the power rushing attack they successfully deployed last season —and if not, is adding Sam Hartman at quarterback enough to transform the passing attack against elite competition? The Irish lost their first three games in the first three games under head coach Marcus Freeman last season with them only scoring 23.7 PPG and generating 5.6 Yards-Per-Play in their first six games. But after switching to a power-rushing attack, the Fighting Irish scored 38.7 PPG and averaged 6.2 YPP — and they returned two great starting tackles to serve as the foundation for this approach. Hartman offers the hope of a more sophisticated passing attack after passing for more than 300 YPG in the last two seasons for Wake Forest. But is there a true number-one wide receiver option from a unit that ranked sixth-to-last in receptions of 40 or more yards last year? Ohio State covered the point spread for the first time this season with their 53-point win against the Hilltoppers last week — and they have covered the point spread in 7 of their last 9 games after not covering the point spread in two of their last three games. Additionally, the Buckeyes have covered the point spread in 8 of their last 11 games after a win at home by 17 or more points. After their two-game home stand, they go back on the road for the second time this season — and they have covered the point spread in 5 of their last 6 games after a two-game home stand. Head coach Ryan Day has reached the College Football Playoff in three of the first four years under his leadership — but is his zeal to mold a team prepared for those potential games making the Buckeyes vulnerable against their biggest obstacle to winning a Big Ten Championship? Michigan has beaten them by 15 and 22 points in the last two seasons by controlling both sides of the line of scrimmage. Previous head coach Urban Meyer has subtly suggested that the program has gotten softer regarding their physicality with all the speed on the roster — and Day is certainly aware of this criticism. After four years of Justin Fields and C.J. Stroud under center, Day has to find a new quarterback this season amidst this challenge. And attention must be paid to their defense that allowed 87 combined points and a whopping 8.9 Yards-Per-Play in their last two games against the Wolverines and then Georgia in the playoff semifinals. The progress on defense is very encouraging after Ohio State has given up only 20 combined points this season. The Buckeyes rank 10th in the nation in Finishing Drives Allowed. The development at quarterback has been slower — but junior Kyle McCord comes off his best game of the season as he completed 19 of 23 passes for 318 yards with three touchdowns and no interceptions.

FINAL TAKE: Notre Dame does not have the roster talent of the Georgia and Michigan teams that have handed them their most recent three losses going to September of 2021. Ohio State has covered the point spread in 24 of their last 34 games on the road when favored by up to seven points — and the Fighting Irish have failed to cover the point spread in 4 of their last 5 games at home with the Total set in the 49.5-56 point range. 8* CFB Ohio State-Notre Dame NBC-TV Special with the Ohio State Buckeyes (423) minus the points versus the Notre Dame Fighting Irish (424). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the Kansas Jayhawks (344) plus the points versus BYU (343). THE SITUATION: Kansas (3-0) has won their opening three games of the season after their 31-24 victory at Nevada as a 28-point favorite last Saturday. BYU (3-0) remained unbeaten this year after their 38-31 upset win at Arkansas as a 9-point underdog on Saturday.

REASONS TO TAKE THE JAYHAWKS PLUS THE POINTS: Kansas dominated the Wolf Pack last week but had trouble translating red zone trips into more points — they gained 442 total yards of offense and outgained Nevada by +179 net yards. The Jayhawks have covered the point spread in 20 of their last 30 games after a win on the road. They have also covered the point spread in 5 of their last 6 games after a straight-up win where they did not cover the point spread as the favorite. They return home where they have covered the point spread in 4 of their last 6 games when favored — and they have covered the point spread in 17 of their last 23 home games after winning two or more games in a row. BYU rallied from a 24-21 halftime deficit in their upset win in Fayetteville last week — but they have failed to cover the point spread in 15 of their last 18 games on the road after allowing 24 or more points in the first half in their last game. They pulled off the upset victory despite getting outgained by -143 net yards by the Razorbacks. BYU committed just their second turnover of the season last week — but they have then failed to cover the point spread in 4 of their last 5 games after not committing more than one turnover in three straight games. The Cougars have also failed to cover the point spread in 5 of their last 8 games after winning three or more games in a row. They stay on the road for the second straight game this week — and they have failed to cover the point spread in 7 of their last 10 games after playing on the road in their last game. They have scored 79 points in their last two games — but they have then failed to cover the point spread in 5 of their last 7 games after scoring 31 or more points in two straight games.

FINAL TAKE: BYU faces their inaugural game as a member of the Big 12 against a conference rival in this one — and they have failed to cover the point spread in 11 of their last 17 games in the first half of the season. 8* CFB Saturday Afternoon Discounted Deal with the Kansas Jayhawks (344) plus the points versus BYU (343). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Clemson Tigers (336) plus the points versus the Florida State Seminoles (335). THE SITUATION: Clemson (2-1) has won two straight games after their 48-14 win against FAU as a 24.5-point favorite last Saturday. Florida State (3-0) remained unbeaten this season after their 31-29 win at Boston College as a 27.5-point favorite on Saturday.

REASONS TO TAKE THE TIGERS PLUS THE POINTS: Clemson will be circling the wagons for this contest as they look to redeem themselves from their Week One upset loss at Duke and maintain their College Football Playoff hopes alive. This game will be just the second time in the Tigers' last 60 home games at Memorial Stadium where they will be an underdog. After making the College Football Playoffs in six straight years, Clemson has lost three games in each of the last two seasons. Was this program temporarily propped up by two great coordinators while getting lucky with two generational talents at quarterback in Deshaun Watson and Trevor Lawrence? Both offensive coordinator Tony Elliott and defensive coordinator Brent Venables left the program after the 2021-22 season to become head coaches elsewhere. Head coach Dabo Swinney seemed to point the finger at D.J. Uiagalelelei as the source of the problem when he benched him for freshman Cade Klubnik in the ACC Championship Game. Swinney brought in Garrett Riley to implement the Air Raid offense he installed as the offensive coordinator for TCU last year — and the defense remains loaded with blue-chip talent destined for the NFL. Klubnik remains a work in progress, especially with the vertical passing game — but Clemson should be able to move the ball on the ground to set up advantageous passing situations. Running backs Will Shipley and Phil Mafah have combined to generate 130.3 rushing Yards-Per-Game on 6.4 Yards-Per-Carry. Shipley continues to be one of the best running backs in the country by averaging 6.1 YPC and producing +3.6 YPC after contact. This duo has helped the Tigers rank 12th in the nation in Success Rate on offense. The Seminoles have been vulnerable with their run defense. They rank 122nd in Opponent Rush Explosiveness Allowed after Boston College ran for 150 yards against them. Stopping the run was an issue for this team last season as well as they ranked 74th in the nation by allowing 156.4 rushing YPG — and they ranked 63rd in Opponent Rush Success Rate Allowed. The Clemson defense has only allowed 19.7 Points-Per-Game and 246.7 YPG. While Duke quarterback Riley Leonard burned them on a 44-yard rushing touchdown in their opener, they did hold the NFL prospect to just 175 passing yards on his 38 attempts. The Tigers rank 15th in the nation in Opponent Pass Success Rate Allowed and 23rd in Opponent Rush Success Rate Allowed — and they rank eighth in Havoc Rate. Clemson has only allowed 366 total yards in their last two games since the loss to the Blue Devils — and they have covered the point spread in 11 of their last 14 games after not allowing more than 200 total YPG in their last two contests. And while their last two games have gone Over the Total with at least 62 combined points scored in both games, they have then covered the point spread in 23 of their last 33 games after playing two games in a row where 60 or more combined points were scored — and they have covered the point spread in 5 of their last 6 games after playing two straight Overs. Florida State wants to believe the glory days back for the Seminoles in the fourth season under head coach Mike Norvell after their opening week upset victory against LSU in Orlando. Last year, they led the ACC by outgaining their opponents by +164.6 net YPG — and 11 All-ACC players are back from that group that won their final six games. Depth remains an issue for this team that is still rebuilding after four straight losing seasons. While they looked great against LSU and then Southern Mississippi, they got outgained by a mediocre Eagles team last week by -107 net yards with their defense giving up 457 total yards. That contest was their first game on the road — and they stay on the road this week for perhaps their biggest game in the Norvell era. Florida State has failed to cover the point spread in 5 of their last 7 games after a win by three points or less on the road — and they have failed to cover the point spread in 12 of their last 18 games after a win on the road by three points or less against a conference rival. They have also failed to cover the point spread in 37 of their last 8 road games after covering the point spread in two of their last three games.

FINAL TAKE: Have the Seminoles turned just one corner — or all of the corners — necessary to return to College Football Playoff contention? They have lost seven straight games to the Tigers — and the last time they beat them in Memorial Stadium was 2013. Now they are favored which is a rare motivational opportunity for Dabo Swinney in his sixteenth year running the program — and Clemson has covered the point spread in 11 of the 15 home games as an underdog against a ranked opponent under his leadership. 25* CFB ACC Game of the Month with the Clemson Tigers (336) plus the points versus the Florida State Seminoles (335). Best of luck for us — Frank.

At 7:30 PM ET on Thursday, we will be playing the Georgia State Panthers (303) plus the points versus the Coastal Carolina Chanticleers (304). THE SITUATION: Georgia State (3-0) has won their first three games of the season with their 41-25 victory at Charlotte as a 5.5-point favorite on Saturday. Coastal Carolina (2-1) has won two straight games after their 66-7 victory against Duquesne as a 34.5-point favorite on Saturday.

REASONS TO TAKE THE PANTHERS PLUS THE POINTS: The Chanticleers have failed to cover the point spread in 7 of their last 10 games after winning two of their last three games — and they have failed to cover the point spread in 5 of their last 8 games after scoring 37 or more points in their last game. And while that game finished Over the 56-point Total, they have then failed to cover the point spread in 13 of their last 17 home games after a game that finished Over the Total. After 30 victories in the previous three seasons, will this program experience a drop-off after Jamey Caldwell took the head coaching job at Liberty? The cupboard is not empty with 30 seniors or super sixth-year seniors returning led by quarterback Grayson McCall, the three-time Sun Belt Conference Player of the Year. But despite their 6-2 conference record, the Chanticleers got outgained by -20 Yards-Per-Game against Sun Belt opponents. North Carolina State offensive coordinator Tim Beck got tapped as their new head coach — but this team will go as far as their defense can play well. Six starters return to a unit switching to a 4-3 formation after ranking 110th in the FBS by allowing 31.8 Points-Per-Gams and 101s in the nation by giving up 418.0 Yards-Per-Game. This team won all five of their games decided by one-scoring possession — and that will be difficult to come close to replicating if the defense does not improve. While they held the Dukes to only 347 yards last week, their two FBS opponents, UCLA and Jacksonville State both generated more than 400 yards against them. Georgia State has covered the point spread in 10 of their last 13 games after a straight-up win — and they have covered the point spread in 10 of their last 14 games after a point spread victory. They enjoyed a +2 net turnover margin against the 49ers — and they have covered the point spread in 14 of their last 19 games after posting a +2 or better net turnover margin in their last contest. After three straight winning seasons, the Panthers dropped to 4-8 last year. Is this team trending in the wrong direction in the seventh season under head coach Shawn Elliott — or were they simply snake-bit by losing all five of their games decided by seven points or less by a combined 18 points? One-third of the roster has turned over either from transfers or exhausted eligibility — but senior dual-threat quarterback Darren Grainger is back after rushing for 908 non-sacking rushing yards and tossing 19 touchdown passes with only four interceptions. So far so good — but this will be the team’s biggest test so far this season. Georgia State has covered the point spread in 8 of their last 9 games on the road after a point spread victory. They have also covered the point spread in 10 of their last 13 games on the road — and they habit covered the point spread in 12 of their last 15 road games with the Total set in the 56.5-63 point range.

FINAL TAKE: Coastal Carolina has failed to cover the pint spray in 8 of their last 9 games when favored in the 3.5-10 point range — and they have failed to cover the point spread in 4 straight home games when listed the 3.5-7 point range. 8* CFB Georgia State-Coastal Carolina ESPN Special with the Georgia State Panthers (303) plus the points versus the Coastal Carolina Chanticleers (304). Best of luck for us — Frank.  

At 7:00 PM ET on Saturday, we will be playing the Northern Illinois Huskies (183) plus the points versus the Nebraska Cornhuskers (184). THE SITUATION: Northern Illinois (1-1) looks to bounce back from their 14-11 upset loss at home to Southern Illinois as an 8.5-point underdog last Saturday. Nebraska (0-2) is winless so far this season after their 36-14 loss at Colorado as a 2.5-point underdog on Saturday.

REASONS TO TAKE THE HUSKIES PLUS THE POINTS: Northern Illinois did outgain the Salukis last week by a 360-219 margin in yardage    — but a -3 net turnover margin did them in. The Huskies have been resilient under head coach Thomas Hammock as they have covered the point spread in 7 of their last 8 games after a loss by three points or less — and they have covered the point spread in 8 of their last 12 games after a point spread loss. They did hold Southern Illinois to just 297 total yards including only 71 rushing yards in that game — and they have covered the point spread in 28 of their last 40 games after not allowing more than 75 or fewer rushing yards. They have also covered the point spread in 8 of their last 9 games after playing a game that finished Under the Total. The Huskies are a team that returned 15 starters from a 3-9 squad last year that vastly underachieved preseason expectations with injuries playing a big role. No player on offense started all 12 of their games. They go back on the road where they upset Boston College earlier this season — they have covered the point spread in 9 of their last 13 games on the road. Nebraska remains a mess under first-year head coach Matt Rhule. Was Nebraska simply snakebit with bad luck under previous head coach Scott Frost — or was the continued descent of this proud program the product of the slow decline in talent on the roster? The Cornhuskers have a 3-16 record in the last three seasons in games decided by one scoring possession. Frost deserves much of the blame for that ineptitude to pull out close games — and his coaching staff did not do a good job in developing NFL talent. They got outgained by 73 YPG in the Big Ten last season. But now first-year head coach Matt Rhule is importing his culture from Temple and Baylor that did not succeed with the Carolina Panthers — and this is a program where legendary head coach Tom Osborne casts a long shadow. Recruiting is way down in Lincoln these days — and Rhule is attempting to win the transfer portal battles which was Frost’s strategy the last few seasons. Perhaps the NIL culture that Rhule is trying to establish with the alumni base is the appropriate response, but that is a long-term plan. The Cornhuskers have failed to cover the point spread in 13 of their last 21 games after a loss on the road by three or more touchdowns. Their starting quarterback Jeff Sims is questionable in this game with an ankle injury — and while he has been a turnover machine in his career, the next man up is redshirt freshman Heinrich Haarbeerg is very raw as a passer.

FINAL TAKE: Nebraska has failed to cover the point spread in 8 of their last 12 games when favored. Northern Illinois has covered the points spread in 13 of their 17 road games as an underdog under Hammock. Expect a close game. 8* CFB Big Dog Surprise with the Northern Illinois Huskies (183) plus the points versus the Nebraska Cornhuskers (184). Best of luck for us — Frank.

At 12 PM ET on Saturday, we will be playing the Ohio Bobcats (126) plus the points versus the Iowa State Cyclones (125). THE SITUATION: Ohio (2-1) enters this game coming off a 17-10 upset victory at Florida Atlantic as a 3.5-point underdog last Saturday. Iowa State (1-1) comes off a 20-13 loss to Iowa as a 3.5-point underdog on Saturday.

REASONS TO TAKE THE BOBCATS PLUS THE POINTS: Iowa State’s program was rocked by its sports gambling scandal last month which has removed several players on the roster including starting quarterback Hunter Dekkers and starting Jirehl Brock (who left the team amidst the allegations). Head coach Matt Campbell has been forced to make adjustments on the fly given these unusual circumstances. Second-year freshman quarterback Rocco Becht has inherited the offense but is completing only 58% of his passes while passing for only 316 yards in his two starts. Sophomore Cartevious Norton has become the lead running back but is only generating 3.4 Yards-Per-Carry with 108 rushing yards in his two games. The Cyclones are averaging only 3.8 YPC as a team. Iowa State has been a reliable underdog in Campbell’s eight years at the helm of this program — but they have not met expectations when placed in the role as the favorite. Iowa State has faced to cover the point spread in 6 of their last 8 games on the road when favored. This is the Cyclones' first road game in a hostile environment this season — and it is a sandwich game situation coming off their rivalry game with the Hawkeyes before their Big 12 opener against Oklahoma State next week. Their one turnover last week was their lone giveaway of the season — but they have failed to cover the point spread in 10 of their last 15 games after not committing more than one turnover in their last game. Campbell was hoping to have 15 starters back from last year’s team that underachieved with a 4-8 record (despite outgaining their opponents by +84 net Yards-Per-Game) — but the gambling scandal has changed expectations. The overall athleticism on the roster was already a question before losing their starting quarterback and running back. Red zone efficiency and giveaways held them back last season — and that is not a good sign in their first road game of this campaign. The books expect a lower-scoring game with the Total set in the low-40s. The Cyclones have failed to cover the point spread in 9 of their last 11 games with the Total set in the 42.5-49 point range. Now here comes an Ohio team with 15 starters back from their 10-4 squad that bear Wyoming in the Arizona Bowl by a 30-27 score. If not for fifth-year senior Kurtis Rourke getting injured in their opening week game at San Diego State, the Bobcats could be undefeated. Instead, they lost on the road against the Aztecs by a 20-13 score as a 2-point underdog. Rourke missed their second game which they still won by a 27-10 score against Long Island. The reigning Mid-American Conference Offensive Player of the Year returned last week and completed 18 of 29 passes for 203 yards in leading Ohio to the upset road win at FAU. Head coach Tim Albin to building a culture with this program — and it starts on the defensive side of the ball. After the Bobcats gave up 561 Yards-Per-Game in their first six games last year, they held their final seven regular season opponents to 331 YPG. This improved defensive play has carried over as they are only giving up 233 YPG — and their three opponents have been held to -162 YPG below their season averages. While some football teams experience an emotional letdown after an upset win, these triumphs tend to provide jolts of energy and confidence to the Ohio players as they have covered the point spread in 10 of their last 12 home games after an upset victory. They have covered the point spread in 8 of their last 9 games after a straight-up win — and they have covered the point spread in 5 of their last 6 games after winning two games in a row. They return home where they have covered the point spread in 5 of their last 6 games as an underdog getting up to seven points.

FINAL TAKE: With their loss to Iowa last week, Iowa State has now lost 11 of their last 12 games decided by one scoring possession. The Regression Gods may have decided this program gets what they deserve given these gambling revelations. Campbell may have inadvertently fostered a losing culture. The Cyclones have failed to cover the point spread in 5 straight games when listed in the +/- 3-point range — and the Bobcats have covered the point spread in 4 of their last 5 games when listed in the +/- 3-point range. 25* CFB Saturday ESPNU Game of the Month with the Ohio Bobcats (126) plus the points versus the Iowa State Cyclones (125). Best of luck for us — Frank.

At 8:00 PM ET on Friday, we will be playing Air Force (114) minus the points versus the Utah State Aggies (113). THE SITUATION: Air Force (2-0) has opened the season undefeated after a 13-3 victory against Sam Houston State in Houston’s NRG Stadium as a 13.5-point favorite last Saturday. Utah State (1-1) won their first game of the season with a 78-28 win against Idaho State as a 23.5-point favorite on Saturday.

REASONS TO TAKE THE FALCONS MINUS THE POINTS: Air Force held a feisty Sam Houston State team to just 80 total yards of offense last week with the Bearkats averaging only 1.82 Yards-Per-Play. The Falcons have covered the point spread in 9 of their last 13 games after holding their previous opponent to 3.25 or fewer YPP. Air Force led the nation last season by allowing only 254.4 Yards-Per-Game — and they return eight starters from that group along with nine of the 13 players that played at least 250 snaps last season. They held their opponents to -94 YPG below their season average. Even more accolades for the defense under head coach Troy Calhoun: they ranked ninth in the nation in Opponent Rushing Success Rate Allowed; they ranked third in the FBS in third-down defense while holding their last two opponents, San Diego State and Baylor, to going 0-for-21; they ranked fourth in the FBS with opponents only scoring touchdowns in 43% of their trips inside the red zone. So far this season, they rank tenth in the FBS in Opponent Success Rate Allowed. They held Robert Morris to just 165 yards in their opening game — and they have covered the point spread in 9 of their last 13 games after not allowing more than 275 yards in two straight games. Additionally, Air Force has covered the point spread in 7 of their last 11 games after a point spread loss — and they have covered the point spread in 13 of their last 20 games when playing with six or fewer days of rest. The Falcons return 13 starters — a high number for a service academy program — from their team that finished 10-3 after beating Baylor in the Armed Forces Bowl by a 30-15 score. While they were only 5-3 in conference play, they outgained their Mountain West Conference opponents by +106 net YPG. Senior quarterback Zac Larrier has been solid operating the spread option rushing attack — he ran for 65 yards last week while Air Force held the ball for 36:38 minutes. While he does not throw the ball often, this offense does lead the nation in Explosiveness in the Passing attack when they do chuck it. The Falcons return home where they have a 73-24 record under Calhoun — and they have a 43-10 record there since 2014. Air Force has covered the point spread in 13 of their last 18 games at home with the Total set in the 42.5-49 point range. They have also covered the point spread in 5 of their last 7 games when laying 3.5 to 10 points. Utah State rebounded from their 24-14 loss at Iowa by dominating an FCS program — but Idaho State did generate 424 total yards against them. The Aggies have failed to cover the point spread in 16 of their last 27 games after a game where 80 or more combined points were scored. They did rush for 380 yards last week — but they have failed to cover the point spread in 5 of their last 8 games after rushing for at least 350 yards in their last contest. This team returns only nine starters from the group that finished 6-7 last year — and that group benefited from winning all four of their games decided by one score possession. They got outgained in Mountain West Conference play despite a 5-3 conference record in the second season under head coach Blake Anderson. His teams going back to Arkansas State having failed to cover the point spread in 5 of their last 8 games after a win at home by four or more touchdowns. And while the Aggies gained 591 yards last week, Anderson’s teams have failed to cover the point spread in 9 of their last 11 games after generating 575 or more yards in their last game. Utah State ranks only 87th in the FBS in Opponent Defensive Success Rate Allowed while ranking 66th in Opponent Rushing Success Rate Allowed. When that mediocrity gets combined with the Aggies' fast pace on offense — they rank 20th in fewest seconds per play this season, their defense may get gassed when the offense goes three-and-out in a quick series which then puts their defense back on the field.

FINAL TAKE: Anderson has pulled off two straight upsets against the Air Force in his two previous seasons at Utah State. After the Aggies gave up 437 rushing yards in a 49-45 barn-burner two years ago, they held the Falcons to 265 rushing yards on 54 carries last year — a 4.91 Yards-Per-Carry average as opposed to the 6.94 YPC they gave up in 2021. But Anderson had extra days to prepare for last year’s contest after playing BYU on a Thursday night the previous week. Now Utah State travels to Falcon Stadium on a short week with Calhoun certainly playing up the consecutive upset losses to this opponent. 25* CFB Mountain West Conference Game of the Month with the Air Force (114) minus the points versus the Utah State Aggies (113). Best of luck for us — Frank.

At 10:30 PM ET on Saturday, we will be playing the California Golden Bears (394) minus the points versus the Auburn Tigers (393). THE SITUATION: California (1-0) looks to build off their 58-21 victory at North Texas as a 5-point favorite last Saturday. Auburn (1-0) opened their season with a 59-14 win against Massachusetts as a 35.5-point favorite on Saturday.

REASONS TO TAKE THE GOLDEN BEARS PLUS THE POINTS: Cal dominated the Mean Green by outgaining them by a 669 to 225 clip in yardage. This is a team that returned 17 starters from a group that settled for a 4-8 record last year. Cal lost five of their seven games decided by one scoring possession — so a few breaks going their way could have resulted in a bowl game for them head coach Justin Wilcox. He added 17 transfers in the offseason including seven former blue-chippers with the pressure on to get back to the postseason. They return home where they have covered the point spread in 8 of their last 13 games at Memorial Stadium. They have also covered the point spread in 6 of their last 9 games in September. Furthermore, the Golden Bears have covered the point spread in 8 of their last 12 games as an underdog — and they have covered the point spread in 9 of their last 14 games as a dog getting 3.5 to 10 points. Auburn has failed to cover the point spread in 3 of their last 4 games after a win at home by 17 or more points. And while they outrushed the Minutemen by 152 net yards, they have then failed to cover the point spread in 5 of their last 7 games after outrushing their last opponent by +125 or more yards. The Tigers generated 7.42 Yards-Per-Play last week — but they have failed to cover the point spread in 6 of their last 9 games after gaining 6.25 or more YPP in their last game. Hugh Freeze takes over the program this season that has failed to cover the point spread in 6 of their last 9 games in September. Auburn has also lost and failed to cover the point spread in 5 of their last 6 road openers to a new season.

FINAL TAKE: Cal has covered the point spread in 11 of their last 15 games at home as an underdog. 8* CFB Saturday Late Show Bailout with the California Golden Bears (394) minus the points versus the Auburn Tigers (393). Best of luck for us — Frank.

At 7:00 PM ET on Saturday, we will be playing the Texas Tech Red Raiders (360) plus the points versus the Oregon Ducks (359). THE SITUATION: Texas Tech (0-1) looks to rebound from their 35-33 upset loss in double-overtime at Wyoming as a 13.5-point favorite last Saturday. Oregon (1-0) began their season with an 81-7 victory against Portland State as a 48-point favorite on Saturday.

REASONS TO TAKE THE RED RAIDERS PLUS THE POINTS: A 78-minute delay to the start of the game in Laramie against the Cowboys did not help Texas Tech’s cause last week. The Red Raiders got inside Wyoming’s 40-yard line seven times in that game but only scored 20 points from those drives. They missed three field goals and outgained the Cowboys in yardage by a 433-351 margin but could not survive the second overtime. Is head coach Joey McGuire leading this program in the right direction — or was their 8-5 record last season simply the by-product of some overdue but temporary good fortune? The Red Raiders won three games in overtime to help them sweep all four of their games decided by one-scoring possession. After five straight losing seasons under head coaches Kliff Kingsbury and then Matt Wells, this program has had winning seasons in two straight years. McGuire has 17 starters and 15 sixth-year super seniors back from last year’s team that beat Ole Miss in the Texas Bowl by a 42-25 score. But can the talent level match the high-end rosters in the Big 12 conference? Getting a full season out of the often-injured quarterback Tyler Slough would go a long way. The fifth-year senior was 5-0 as a starter last year before missing the final four games due to injury. He has an 8-2 record as a starter for the Red Raiders after last week’s loss — but he did complete 31 of 47 passes for 338 yards with three touchdown passes. And the Texas Tech defense played well enough after holding Wyoming to just 4.1 Yards-Per-Play. The Red Raiders have covered the point spread in 5 of their last 7 games after an upset loss as a double-digit favorite. They have covered the point spread in 9 of their last 11 games after a straight-up loss — and they have covered the point spread in 7 straight games after a loss on the road. Furthermore, they have covered the point spread in 8 of their last 10 games after a point spread loss. They return home to Jones AT&T Stadium where they hold a big edge in front of their loud fans. They were 6-1 at home last year while covering the point spread in 5 of those games. They have also covered the point spread in 21 of their last 29 home games in the first two weeks of the season. Oregon comes off a laugher against an FBS opponent — but the question remains: How close can head coach Dan Lanning get the Ducks’ defense to perform like his Georgia teams when he was their defensive coordinator from 2019-21? In his first year in Eugene, his defense ranked 74th and 70th in the FBS by allowing 27.4 PPG and 381.2 YPG. The deeper metrics were even more unkind with the Ducks’ defense ranking 99th in Opponent Success Rate Allowed and 108th in Opponent Finishing Drives Allowed. The pass rush generated only 18 sacks which was the lowest in school history. Their pass defense ranked 101st in the nation by allowing their opponents to average 256.4 passing YPG. There was a large gap between the physicality of the Ducks’ defense last year and what Lanning’s Georgia defenses brought to the table. But Oregon still outgained their Pac-12 opponents by +136 net YPG due to a dynamic offense that ranked 10th and 6th in the nation by scoring 38.8 PPG and generating 500.5 YPG. Fifth-year senior QB Bo Nix completed 71.9% of his passes while limiting his mistakes with only seven interceptions and taking just five sacks. But Nix only accrued 16 passes that were designed as “Big Time” throws last season in a dink-and-dunk passing game. Only 29% of Oregon’s passes last season were of more than ten air-yards last year — and that is a big reason why they ranked 128th in the nation in Pass Explosiveness.

FINAL TAKE: Oregon got into many shootouts last year — but their lack of explosiveness makes blowout victories unlikely especially when playing away from Autzen Stadium. The Ducks have failed to cover the point spread in 12 of their last 19 road games when laying 3.5 to 7 points — and Shough will have a chip on his shoulder to face his former team before transferring to Lubbock. 25* CFB Fox-TV Game of the Month with the Texas Tech Red Raiders (360) plus the points versus the Oregon Ducks (359). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the University of Texas-San Antonio Roadrunners (342) minus the points versus the Texas State Bobcats (341). THE SITUATION: UTSA (0-1) looks to rebound from their 17-14 upset loss at Houston as a 2-point favorite last Saturday. Texas State (1-0) comes off a 42-31 upset victory at Baylor as a 27-point underdog on Saturday.

REASONS TO TAKE THE ROADRUNNERS MINUS THE POINTS: UTSA outgained the Cougars last week by a 417 to 334 mark in yardage — but three interceptions from seventh-year senior Frank Harris in a disastrous span of five minutes in the third quarter that made the difference in this game. Now the Roadrunners return home where they have an 18-3 record straight-up under fourth-year head coach Jeff Taylor. UTSA has covered the point spread in 4 of their last 5 home games with the Total set in the 63.5-70 point range. This is a loaded team that might be the best squad representing the Group of Five who are playing their first season in the American Athletic Conference. Fifteen starters return from last year’s team that finished 11-3 including a Conference USA Championship Game before an 18-13 loss to Troy in Cure Bowl. The offense has eight starters back led by Harris under center. The defense has eight starters back and 11 players who played 300 snaps last season. They have covered the point spread in 7 of their last 10 games in September. Texas State comes off perhaps their biggest win in program history by beating a Power Five conference opponent for the very first time. But the Bobcats have failed to cover the point spread in 9 of their last 14 games after an upset victory — and they have failed to cover the point spread in 3 of their last 4 games after pulling off an upset win as a double-digit dog. Additionally, Texas State has failed to cover the point spread in 6 of their last 7 games after an upset loss on the road as an underdog — and they have failed to cover the point spread in 7 of their last 10 games after a straight-up win on the road. Upsetting Baylor was a heckuva way for 34-year-old head coach G.J. Kinne to make his debut as the leader of this program. The former Tulsa quarterback had great success as the head coach of Incarnate Word — and while Deion Sanders gets most of the attention for using the transfer portal, Kinne was also quite aggressive by bringing at least 26 transfer portal in the offseason to bolster a roster that had 11 starters returning from a team that finished 4-8. Texas State did get outgained by -88 net yards in the Sun Belt Conference last year. They were also outgained by the Bears last week by a 524 to 441 mark in yardage. Converting on all four of their fourth down attempts helped them steal that game — as did Baylor losing their starting quarterback Blake Shapen injury (and their backup committed two critical turnovers in the fourth quarter). The Bobcats stay on the road for a second week where they have failed to cover the point spread in 6 of their last 8 games with the Total set at 63 or higher.

FINAL TAKE: UTSA has covered the point spread in 5 of their last 6 games when favored by 10.5 to 21 points. 10* CFB Saturday Afternoon Discounted Deal with the University of Texas-San Antonio Roadrunners (342) minus the points versus the Texas State Bobcats (341). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Baylor Bears (320) plus the points versus the Utah Utes (319). THE SITUATION: Baylor (0-1) looks to rebound from their 42-31 upset loss at home to Texas State as a 27-point favorite last Saturday. Utah (1-0) comes off a 24-11 win at home against Florida as a 5.5-point favorite back on August 31st.

REASONS TO TAKE THE BEARS PLUS THE POINTS: BAYLOR: Was Baylor’s winning the Big 12 Championship in 2021 a fluke? After taking a step back with a 6-7 record after losing their final four games last year after a 30-15 loss to Air Force in the Armed Forces Bowl last season, this is a critical season in assessing the culture of this program in the fourth season under head coach Dave Aranda. The Bears finished with an 11-3 record in his first season before falling to 2-7 during the COVID-impacted 2020 campaign. They did outgain their Big 12 rivals by +24 YPG. Yet Aranda’s stamp should be on the defensive side of the ball after previously serving as the defensive coordinator at LSU — and there seems to be a disconnect between his schemes with the Tigers and the game plans now with the Bears. With 12 starters back including junior quarterback Blake Shapen, another down season would place Aranda’s tenure in jeopardy — and that makes their upset loss to the Bobcats last week even more disastrous. To compound matters, Shapen injured his MCL in that game which will keep him out for this game. Sophomore Sawyer Roberston gets the start under center — he is a former four-star recruit who transferred in from Mississippi State. He passed for 113 yards last week in helping the Bears generate 524 yards while averaging 6.89 Yards-Per-Play. Baylor has covered the point spread in 7 of their last 8 games after generating at least 6.75 YPP in their last game. They have also covered the point spread in 7 of their last 9 games after a point spread win. Additionally, the Bears have covered the point spread in 3 of their last 4 games after an upset loss under Aranda. They stay at home where they have covered the point spread in 10 of their last 14 games at home. They have also covered the point spread in 6 of their last 8 games with the Total set in the 42.5-49 point range. Utah got outgained by the Gators by -76 net yards but still pulled the game out. The biggest question I had for this team in assessing them before the season was whether or not sixth-year senior quarterback Cameron Rising could regain his form after suffering a torn ACL in the Rose Bowl. He left the game with the score tied at 14-14 with Penn State — but the Nittany Lions outscored the Utes by a 21-7 margin the rest of the way for their 35-21 victory. Rising did not play last week and is doubtful to make his season debut in this one. While sophomore Bryson Barnes was solid last week, this will be his first career start in a hostile environment. The two-time reigning Pac-12 champions have a loaded roster once again with 16 starters back. The defense returns nine starters and the tenth-most net production in the country from a unit that ranked 26th in the nation by allowing only 21.4 Points-Per-Game and 334.1 total Yards-Per-Game. The Utes have 12 of the 17 defensive players who logged-in at least 200 snaps last year. But to hang with the dynamic offenses of the top-tier opponents, this team probably needs Rising at full strength. Baylor scored 32.2 Points-Per-Game last season — and they should put up their share of points against this Utes defense that ranked 104th in the nation last year by allowing 30 touchdowns in their opponent’s 44 trips inside the red zone. Asking Utah to win by more than a touchdown may be too much to ask when playing on the road — they have failed to cover the point spread in 8 of their last 12 games on the road and they have failed to cover the point spread in 5 straight road games the favored by seven points or less.

FINAL TAKE: Baylor has covered the point spread in 9 of their last 12 games as an underdog. 8* CFB Utah-Baylor ESPN Special with the Baylor Bears (320) plus the points versus the Utah Utes (319). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Nebraska Cornhuskers (317) plus the points versus the Colorado Buffaloes (318). THE SITUATION: Nebraska (0-1) looks to bounce back from their 13-10 loss at Minnesota as a 7.5-point underdog on August 31st. Colorado (1-0) began their season with a 45-42 upset victory at TCU as a 21-point underdog last Saturday.

REASONS TO TAKE THE CORNHUSKERS PLUS THE POINTS: The Buffaloes made an emphatic statement in the first game of the Prime Time era by shocking the football program that played in the National Championship Game last January. The Horned Frogs’ fast pace played right into the hands that head coach Deion Sanders wants with his collection of talent. But the question remains: Can Sanders’ massive transfer portal reset rebuild both lines simultaneously with all the influx of skill-position talent on both sides of the ball? Sanders brought with him several players from his Jackson State squad including his son, Shedeur Sanders, at quarterback and two-way cornerback/wide receiver Travis Hunter who was the number one recruit in the 2021 class — and both are now Heisman Trophy contenders after their performances last week. Hunter was spectacular on both sides of the ball. Sanders completed 38 of his 47 passes for 510 yards with four touchdown passes. But the Buffaloes have failed to cover the point spread in 22 of their last 31 home games after passing for at least 325 yards in their last game. With at least 33 transfer players and another 19 freshmen signings, the Buffaloes have seen an 80% turnover in the roster from a team that finished 1-11 last year. After losing 21 of 26 games, the program can only go up under Sanders’ guidance. But the grunt work is in the trenches. Their offensive line has 44 career starts and is small for a Power Five program. The defensive line is dependent on transfers with no starters back and is also on the small side. Depth is also an issue — especially on the offensive and defensive lines. Now they play a team in the Cornhuskers who will game plan much differently. Nebraska head coach Matt Rhule is too savvy to try to simply go head-to-head with the Buffaloes in a high-paced scoring fest. Instead, the Cornhuskers will run the football to truly test the Colorado defensive line. The Buffaloes defense was very shaky last week as they allowed TCU to put up 541 total yards of offense. They did not register a sack or even one tackle for loss. The Horned Frogs ran for 262 yards and averaged 7.1 Yards-Per-Carry. Rhule will have Nebraska run the ball and attempt to control the time of possession. They did generate 6.1 YPC against the Golden Gophers last week. They got stopped inches from the goal line late in the first half before fourth-year quarterback Jeff Sims threw an interception in the end zone. Sims later fumbled the ball late in the game to cost his team one last chance for the victory. He was responsible for four turnovers — but the Cornhuskers have covered the point spread in 27 of their last 39 games after committing four or more turnovers. They have also covered the point spread in 5 of their last 6 games after failing to score more than 14 points. Was Nebraska simply snakebit with bad luck under previous head coach Scott Frost — or was the continued descent of this proud program the product of the slow decline in talent on the roster? The Cornhuskers now have a 3-17 record in the last four seasons in games decided by one scoring possession. Frost deserves much of the blame for that ineptitude to pull out close games — and his coaching staff did not do a good job in developing NFL talent. They got outgained by 73 YPG in the Big Ten last season. But now Rhule is importing his culture from Temple and Baylor that did not succeed with the Carolina Panthers — and this is a program where legendary head coach Tom Osborne casts a long shadow. Recruiting is way down in Lincoln these days — and Rhule is attempting to win the transfer portal battles which was Frost’s strategy the last few seasons. Perhaps the NIL culture that Rhule is trying to establish with the alumni base is the appropriate response, but that is a long-term plan. In the meantime, Rhule has an opportunity to put his stamp on this program with a statement win against an old Big Eight rival riding a wave of national hype.

FINAL TAKE: Nebraska was a seven-point favorite in the look-ahead lines for this contest before Week One — so this is a definite buy-low opportunity with the betting public now in love with Colorado. The Cornhuskers have covered the point spread in 6 of their last 7 games on the road as an underdog — and the Buffaloes have failed to cover the point spread in 7 of their last 10 home games when laying up to three points. 10* CFB Saturday Afternoon Kickoff with the Nebraska Cornhuskers (317) plus the points versus the Colorado Buffaloes (318). Best of luck for us — Frank.

At 7:30 PM ET on Friday, we will be playing the Illinois Fighting Illini (351) plus the points versus the Kansas Jayhawks (352). THE SITUATION: Illinois (1-0) opened their season with a 30-28 victory against Toledo as a 7.5-point favorite last Saturday. Kansas (1-0) began their year with a 48-17 victory against Missouri State as a 32.5-point favorite on Saturday.

REASONS TO TAKE THE ILLINI PLUS THE POINTS: Illinois should build off their victory last week. They have covered the point spread in 12 of their last 17 games after a win at home by three points or less. They have also covered the point spread in 6 of their last 8 games after a point spread victory. The biggest question I had for this team entering the year was how close the Fighting Illini can get to replicating the performance of their defense that led the nation by holding their opponents to 12.8 PPG and ranked third in the FBS by allowing only 273.5 YPG. Their defenses bent often against the Rockets but they did not break -- they limited them to two field goals on long drives in the first half that kept them in the game. Second-year head coach Bret Bielema has already made this program the new Wisconsin (especially with the sacrilege of the Badgers moving to an Air Raid offense this season). He lost four defensive backs who got drafted into the NFL — along with running back Chase Brown who led Power Five teams in rushing. Some red flags exist. After holding their first nine opponents to just 232 YPG, their last four opponents generated 367 YPG against them. It will be difficult to repeat their +15 net turnover margin which was the third-best mark in the FBS. But bringing Bielema’s smash-mouth football to Champagne improved the scoring by +4.1 PPG — and they outgained their conference opponents by +75 net YPG, the fourth-best mark in the Big Ten. All four of their conference losses were by one scoring possession — and ten All-Big performers return to the roster. Illinois has covered the point spread in 10 of their last 15 games on the road. How high is the ceiling for the Jayhawks after they snapped their 14-year bowl drought in a wild 55-53 loss to Arkansas in the Liberty Bowl? Third-year head coach Lance Leipold had ten starters back on offense along with over 90% of their production from that group ranked 20th in the nation by scoring 35.6 PPG. Junior quarterback Jalon Daniels ranked second in the nation in Total QBR despite missing four games with a separated shoulder. But can they stop anyone after ranking 126th in the nation by surrendering 469.4 YPG with their last four opponents scoring 43 PPG against them? Leipold is relying on the transfer portal to fill a defensive line that does not return any of their four starters. It is tough to take much from their 31-point victory against an FCS program. Kansas has failed to cover the point spread in 15 of their last 18 games after a win at home where they failed to cover the point spread as the favorite. They have also failed to cover the point spread in 3 of their last 4 contests in expected lower-scoring games with the Total set in the 49.5-56 range.

FINAL TAKE: Illinois has covered the point spread in 6 of their last 8 road games as an underdog. 8* CFB Illinois-Kansas ESPN2 Special with the Illinois Fighting Illini (351) plus the points versus the Kansas Jayhawks (352). Best of luck for us — Frank.

At 8:00 PM ET on Monday, we will be playing the Duke Blue Devils (236) plus the points versus the Clemson Tigers (235). THE SITUATION: Duke (0-0) returns 18 starters from their team that finished 9-4 last season after their 30-13 victory against Central Florida in the Military Bowl. Clemson (0-0) has 15 starters back from their group that had an 11-3 record after losing to Tennessee by a 31-14 score in the Orange Bowl.

REASONS TO TAKE THE BLUE DEVILS PLUS THE POINTS: After making the college football playoffs in six straight years, Clemson has lost three games in each of the last two seasons. Was this program temporarily propped up by two great coordinators while getting lucky with two generational talents at quarterback in Deshaun Watson and Trevor Lawrence? Both offensive coordinator Tony Elliott and defensive coordinator Brent Venables left the program after the 2021-22 season to become head coaches elsewhere. Head coach Dabo Swinney seems to be suggesting the problem in the last two seasons has been D.J. Uiagelelei who took over at quarterback after Lawrence went to the NFL two years ago. But Uiagelelei looked pretty, pretty, pretty good for his new team yesterday as he completed 20 of 25 passes for 239 yards with five touchdowns (three in the air, two on the ground) and no interceptions in Oregon State’s 42-17 victory against San Jose State. Swinney turned to another blue-chip recruit at quarterback at the end of the season in freshman Case Klubnik — and while he played well in the 39-10 victory against North Carolina in the ACC Championship Game, he was shaky in the Orange Bowl against a suspect Volunteers defense by throwing two interceptions and failing to execute on numerous occasions in the red zone. Swinney brought in Garrett Riley to implement the Air Raid offense he installed as the offensive coordinator for TCU last year. And while Clemson has a great running back in Will Shipley, there may not be the high-quality wide receivers on the roster that are difference makers in the passing attack. The defense ranked 27th in the nation by allowing 334.3 total Yards-Per-Game which is good but not quite at the elite numbers this program has consistently put up in the past. They allowed 231.7 passing YPG last season, ranking 75th in the nation. Has the identity of the defense slipped with Venables' departure to Oklahoma? The Tigers replace four All-ACC players on defense who moved on to the NFL. Now this team opens on the road against a conference opponent in a nationally-televised game against a veteran team with a great defensive-minded head coach. As it is, Clemson has failed to cover the point spread in 5 of their last 8 games when laying 10.5 to 21 points. they have also failed to cover the point spread in 8 of their last 11 games with the Total set in the 49.5-56 range. Duke’s accomplishments last season need to be taken with a grain of salt. They only played four teams with a winning record — and just two of their nine victories were against FBS programs with a winning record. And while their +16 net turnover margin helped them out tremendously, the Regression Gods are likely to make their presence known this year with their actual net turnover rate coming closer to their expected net turnover rate again. But all four of the Blue Devils' losses were by eight points or less. They have a future NFLer at quarterback in junior Riley Leonard who passed for 2967 yards last year and added 699 yards on the ground. He has his three starting wide receivers and his starting tight end back from last year. And while I do not expect this team to enjoy another +16 net turnover margin, forcing turnovers is a skill — and Duke had 10 interceptions and 16 fumble recoveries for head coach Mike Elko. The former Texas A&M and Notre Dame defensive coordinator will have a good scheme in place for the Air Raid tonight — and Clemson may get off to a rocky start with this new offense going against hostile competition for the first time. The Blue Devils have covered the point spread in 10 of their last 13 games at home — and they have covered the point spread in 6 straight home games with the Total set in the 49.5-56 range.

FINAL TAKE: Clemson has failed to cover the point spread in 7 of their last 8 games in September. Duke has covered the point spread in 6 of their last 8 games in the first month of the season — and they have covered the point spread in 8 straight home games in the first half of the season. The home team has covered the point spread in 11 of the last 16 meetings between these two teams. 10* CFB Clemson-Duke ESPN Special with the Duke Blue Devils (236) plus the points versus the Clemson Tigers (235). Best of luck for us — Frank.

At 7:30 PM ET on Sunday, we will be playing the Florida State Seminoles (232) plus the points versus the Louisiana State Tigers (231). THE SITUATION: Florida State (0-0) returns 17 starters from their team that finished 10-3 after a 35-32 victory against Oklahoma in the Cheez-It Bowl. LSU (0-0) has 15 starters back from their group that finished 10-4 after a 63-7 victory against Purdue in the Citrus Bowl. This game is being played on a neutral field at Camping World Stadium in Orlando, Florida.

REASONS TO TAKE THE SEMINOLES PLUS THE POINTS: I consider LSU to be a bit overvalued right now coming off a fortunate opening season under head coach Brian Kelly. The Tigers blew out a Boilermakers team in their bowl game that was severely undermanned after head coach Jeff Brohm left the program for Louisville and players like their quarterback Aidan O’Connell sat the game out. Despite posting a 6-2 record in SEC play that was headlined by a signature victory against Alabama, LSU got outgained by -5.0 Yards-Per-Game against conference opponents. They benefited from +2 net close wins decided by one scoring possession — so they were close to being an 8-6 team which correlates with their net yardage numbers. The Tigers had a big play problem on both sides of the ball. While ranking sixth in overall Success Rate on offense, they fell to 101st in Marginal Explosiveness. On defense, LSU ranked 20th in Opponent Success Rate Allowed but fell to 50th in Opponent Marginal Explosiveness Allowed. Their defense returns only nine of the 18 players who logged in at least 200 snaps — and they lost seven defensive backs who got playing time last season. Kelly tried to fortify the back end with transfers — and perhaps he succeeded in upgrading the talent — but depth remains a problem. Talented defensive tackle Mason Smith is out for tonight’s game due to a suspension for NCAA infractions. Florida State led the ACC by outgaining their opponents by +164.6 net YPG. Head coach Mike Norvell has 11 All-ACC players back from a group that won their first six games. The defense returns six of the top seven tacklers that ranked 14th in the nation by holding their opponents to 321.8 total YPG. Norvell is also hitting the transfer portal well with 11 new players coming into the program — but I like the way he is integrating these players with the foundation of his team. Norvell committed to getting younger players on the field in the first three years with the program — and those juniors and seniors now form the core of this team. I give the Seminoles the edge at quarterback as well. Jordan Travis was initially a run-first dual-threat option under center who has made great strides in improving his passing game. He passed for 3214 yards last year while being graded the top offensive player in the ACC by Pro Football Focus. Of particular note is his decision-making as he only had five interceptions with just 1.9% of his snaps under center resulted in a turnover-worthy play. I like LSU’s Jayden Daniels — but he does not produce as many big plays as  Travis. Daniels averaged 7.51 Yards-Per-Attempt in the passing game which falls short of Travis’ 9.10 YPA mark.

FINAL TAKE: Florida State has covered the point spread in 7 of their last 11 games as an underdog — and they have covered the point spread in 5 of their last 6 games played on a neutral field where they were an underdog getting up to three points. LSU has failed to cover the point spread in 3 of their last 4 games played on a neutral field — and they have failed to cover the point spread in 3 of their last 4 games in the first two weeks of a new season. 10* CFB LSU-FSU ABC-TV Special with the Florida State Seminoles (232) plus the points versus the Louisiana State Tigers (231). Best of luck for us — Frank.

At 7:00 PM ET on Saturday, we will be paling the University of Texas-San Antonio Roadrunners (211) minus the points versus the Houston Cougars (212). THE SITUATION: UTSA (0-0) has 16 starters back from their team that finished 11-3 after their 18-12 loss to Troy in the Cure Bowl. Houston (0-0) has 12 starters return from their group that finished 8-5 after a 23-16 victory against Louisiana-Lafayette in the Independence Bowl.

REASONS TO TAKE THE ROADRUNNERS MINUS THE POINTS: UTSA has quarterback Frank Harris back for a seventh season after he led the team to the Conference USA championship with a 48-27 victory against North Texas in the championship game. He was named to the first team All-Conference USA team after passing for 4063 yards with 32 touchdown passes — and he added another 602 rushing yards on the ground. The veteran ran an offense that has eight starters back from a group that ranked 13th in the nation by scoring 36.8 Points-Per-Game and 12th in the nation by generating 476.0 total Yards-Per-Game. Harris lost his top target in Zakhari Franklin who transferred from the program after spring practice — but he still has four of his top five targets back from last season including Joshua Cephus who caught 87 balls last year while being named to the All-Conference USA second team. The defense returns 11 starters and 11 players who logged in at least 300 snaps from a unit that ranked 10th in the nation in Opponent Success Rate Allowed, 17th in Opponent Finishing Drive Rate, and 14th in Havoc Rate. With the football program moving to the American Athletic Conference, the Roadrunners have a lot to prove this season as they put their stamp on their legacies — and it can begin with a signature victory against a Cougars team that has moved to the Big 12. UTSA is comfortable playing in hostile environments as they have covered the point spread in 9 of their last 12 games on the road — and they have covered the point spread in 6 of their last 8 road games as the favorite. They have also covered the point spread in 7 of their last 9 games in September. Houston is in a bit of rebuilding mode after losing four-year starting quarterback Clayton Thune and wide receiver Tank Dell. Thune threw for over 4000 yards last year while Dell caught 109 balls including 17 for touchdowns. Fifth-year head coach Dana Holgorsen is relying on Texas Tech transfer Donovan Smith to run the offense. While the junior has eight career starts, he only averaged 6.8 Yards-Per-Attempt in his four starts last season while committing 11 turnover-worthy plays to just six “Big Time” throws. Holgorsen was caught off guard when running back Alton McCaskill IV decided to transfer to Colorado. The Cougars lost eight of their top nine tacklers from a defense that ranked 111th in the nation by allowing 32.2 PPG and 104th in the nation by giving up 421.4 YPG. Holgorsen only has one starter back in the back seven from a unit that gave up 32 or more points seven times. The Cougars have failed to cover the point spread in 6 straight games at home — and they have failed to cover the point spread in 5 of their last 7 home games as an underdog under Holgorsen. Additionally, Houston has failed to cover the point spread in 6 of their last 9 games in September.

FINAL TAKE: UTSA will have revenge on their mind after losing at home to the Cougars by a 37-35 score in triple overtime back on September 3rd last season. The Roadrunners lost that game despite outgaining Houston by a 441-335 margin in yards. UTSA has covered the point spread in 6 of their last 8 games under head coach Jeff Traylor when listed in the +/- 3-point range. 20* CFB Saturday Night Discounted Deal with the University of Texas-San Antonio Roadrunners (211) minus the points versus the Houston Cougars (212). Best of luck for us — Frank.

At 7:00 PM ET on Saturday, we will be playing the Colorado State Rams (194) plus the points versus Washington State (193). THE SITUATION: Colorado State (0-0) returns 15 starters from its team that finished 3-9 last season. Washington State (0-0) has 12 starters back from their group that had a 7-6 record last year.

REASONS TO TAKE THE RAMS PLUS THE POINTS: Head coach Jay Norvell struggled in his first season at Colorado State with scholarship players way down after he cleaned house — but his teaching paid off in the second half of the season as they outgained their last four opponents by +76 net Yards-Per-Game. The Rams should be much better in his second year with the program. The biggest problem last season was their offensive line which was last in the FBS by allowing 4.92 sacks per game. Norvell has overwhelmed that room with seven transfer players and loads of freshmen to instill competition in that group. The defense returns eight starters from a group that allowed 26.9 Points-Per-Game and 355.0 YPG — but those numbers improved against Mountain West competition as they held their conference rivals to just 20 PPG and 325 YPG. Norvell’s teams have covered the point spread in 9 of their last 12 games at home as an underdog. Washington State seems to be losing in the transfer portal under head coach Jake Dickert in his third full season with the program. Bringing in Cameron Ward from Incarnate Word seemed to offer exciting opportunities last season — but he only averaged 10.1 Yards-Per-Completion in a passing attack that was not vertical. He remains very much a work in progress as he lacks precision on his intermediate and deep passes. The Cougars replace his top four targets from last season. Dickert hired his third defensive coordinator in three seasons after the team ranked 85th in the nation in total defense by allowing 402.3 YPG. They lost four of their top six tacklers from that group including Daiyan Henley who moved on to the NFL. The linebacker group was devastated by departures in the transfer portal — and Dickert resorted to finding retreads to fill the gaps of a unit that does not have a returning starter. The Cougars have failed to cover the point spread in 5 of their last 8 games against non-conference opponents — and they have failed to cover the point spread in 3 of their last 4 games in the opening month of the season.

FINAL TAKE: Norvell will be able to use his team’s 38-7 loss on the road to the Cougars last year as motivation for his group this season. That game was played on September 17th before Norvell was able to produce significant improvement from his players. Expect a close game in this rematch. 8* CFB Big Dog Surprise with the Colorado State Rams (194) plus the points versus Washington State (193). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the Western Kentucky Hilltoppers (208) minus the points versus the South Florida Bulls (207). THE SITUATION: Western Kentucky (0-0) return 11 starters from their team that finished 9-5 last season after their 44-23 victory against South Alabama in the New Orleans Bowl. South Florida (0-0) has 13 starters back from a 1-11 squad last season.

REASONS TO TAKE THE HILLTOPPERS MINUS THE POINTS: Western Kentucky won six of their last eight games to conclude a season that could have been much better with a few more breaks going their way. Red zone issues on both sides of the ball held the Hilltoppers back and betrayed their +136 net Yards-Per-Game mark against conference play which led all teams in Conference USA. In his fifth season at Western Kentucky, head coach Tyson Helton has been aggressive in the transfer portal and appears to be one of the few non-Power Five conference teams that are winning in the transfer window wars. His pro-style Air Raid offense is appealing to players — and he has a great quarterback in senior Austin Reed who chose to stay with the program for his final season after flirting with the idea of transferring himself. He led the FBS with 4746 passing yards last year — and he threw 40 touchdown passes. His top receiver Malachi Corley returns after being named to the first team All-Conference USA team with 101 catches for 1295 receiving yards. Helton brought in Power Five transfers Ze’Vian capers from Auburn, Jimmy Holiday from Tennessee, and Blue Smith from Cincinnati to offer more weapons for Reed. Western Kentucky has covered the point spread in 8 of their last 12 games at home. They have also covered the point spread in 13 of their last 20 games when favored — and they have covered the point spread in 8 of their last 9 games when laying 10.5 to 21 points. When the Hilltoppers get into trouble, it is when they face opponents that can go toe-to-toe with their offense. In their last five losses last year, the Hilltoppers gave up 36 Points-Per-Game. South Florida is not likely to approach that threshold with only four starters back on offense. The Bulls have only beaten one FBS opponent in their last 34 opportunities going back to 2019. While going winless in their eight conference games last season, American Athletic Conference opponents outgained them by -116 YPG. Former Tennessee offensive coordinator Alex Golesh takes over the program for Jeff Scott — and while he has former Baylor transfer Gerry Bohanon at quarterback, most of the skill position players from last season transferred out of the program. Nine starters return on defense — but this was a group that ranked 130th in the nation by allowing 516.6 YPG after giving up 558 YPG in their last six games. It will be a long rebuild for Golesh at a program that has won only four games in their last 33 contests. South Florida has also lost 18 games on the road. They have also failed to cover the point spread in 5 of their last 8 games against non-conference opponents.

FINAL TAKE: The Bulls have failed to cover the point spread in 5 of their last 8 games in the opening month of the season — and the Hilltoppers have covered the point spread in 6 straight games in September. 10* CFB Blowout Bookie Buster with the Western Kentucky Hilltoppers (208) minus the points versus the South Florida Bulls (207). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Northern Illinois Huskies (173) plus the points versus the Boston College Eagles (174). THE SITUATION : Northern Illinois (0-0) has 15 starters back from their team that finished 3-9 last season. Boston College (0-0) has 15 starters back as well from their 3-9 team from 2022.

REASONS TO TAKE THE HUSKIES PLUS THE POINTS: Northern Illinois is two years removed from winning the Mid-American Conference championship. Expectations were high last season with 18 starters back from that group — but the Huskies were ravaged by injuries last year. No players on offense started all 12 games. They endured five net upsets last year. They lost four games by one scoring possession. Despite a 2-6 record in conference play, they were only outgained by -2.0 Yards-Per-Game against MAC opponents. Head coach Thomas Hammock does get Rocky Lombardi back at quarterback after injuries kept him out of eight games last season. Lombardi led the team to that MAC title two years ago — and he is backed by an offensive line that returns all five starters. The Huskies' defense should be improved with multiple starters back at each level including two All-Conference performers on the defensive line. Northern Illinois has covered the point spread in 8 of their last 12 games on the road — and they have covered the point spread in 12 of their last 16 road games an underdog with Hammock as their head coach. Boston College moves on from senior quarterback Phil Jurkovec who transferred to Pittsburgh. Fourth-year head coach Jeff Hafley turns to Emmett Morehead at quarterback who took over late in the season — but he will not have wider receiver Zay Flowers as his top target after he was drafted in the first round of the NFL draft. Hafley is on the hot seat after the Eagles got outgained by -81.6 net YPG in ACC play last season. He has trapped the program into relying on transfers to fill roster holes after his attention to detail in high school recruiting waned. After some early success in the transfer portal, Boston College now finds itself taking one step forward after two steps back in the transfer window wars. Hafley lost defensive coordinator Tem Lukabu to the Carolina Panthers — and he changed offensive coordinators for the third time in three seasons. The Eagles have failed to cover the point spread in 7 of their last 11 games when favored under Hafley.

FINAL TAKE: Boston College has failed to cover the point spread in 5 of their last 8 games in the first month of the season — and Northern Illinois has covered the point spread in 8 of their last 13 games against non-conference opponents. 8* CFB Saturday Afternoon Kickoff with the Northern Illinois Huskies (173) plus the points versus the Boston College Eagles (174). Best of luck for us — Frank.

At 11:00 PM ET on Friday, we will be playing the Hawai’i Rainbow Warriors (156) plus the points versus the Stanford Cardinal (155). THE SITUATION: Hawai’i (0-1) looks to rebound from their 35-28 loss at Vanderbilt as a 17-point underdog on Saturday. Stanford (0-0) returns six starters from their group that finished 3-9 last season.

REASONS TO TAKE THE RAINBOW WARRIORS PLUS THE POINTS: Hawai’i has the significant edge of already having a game under their belt — and they will be confident after arguably outplaying the Commodores in their house last week. The Rainbow Warrior outgained Vanderbilt by +94 net yards but suffered a -2 net turnover margin and gave up a 97-yard kickoff return for a touchdown. Hawai’i has covered the point spread in 5 straight games after a loss on the road. They return home where they have covered the point spread in 5 straight games. The last time they hosted a Pac-12 team was in 2010 when they upset Arizona and narrowly lost to Oregon State by a field goal. Second-year head coach Timmy Chang’s Run-and-Shoot offense looked good last week with junior quarterback Brayden Schager completing 27 of 35 passes for 351 yards with two touchdown passes. Chang is rebuilding a proud program that hit rock bottom when they could not field a team for the 2021 Hawai’i Bowl in the waning days of the train wreck that was the Todd Graham era. He inherited a program that required a massive rebuild undertaking after ranking second-to-last in FBS teams returning production. Chang has stopped the bleeding, but rebuilding the recruiting connections and surviving the transfer portal remain long-term projects. What are the realistic expectations for Troy Taylor taking over a Stanford Cardinal program after 16 seasons where their head coach was Jim Harbaugh or David Shaw? Except for the 2020 COVID season, the team had three straight losing seasons under Shaw, which was losing steam after his dozen years as the head coach. But does Shaw and his coaching staff deserve the brunt of that blame — or is it just increasingly difficult to enjoy success at an academic powerhouse like Stanford in the ever-evolving college football landscape? Taylor is considered an offensive wizard with his stretch Air Raid schemes after previously serving as the offensive coordinator at Eastern Washington and Utah before taking the head coaching job at Sacramento State. But the Cardinal are never going to play the transfer portal heavy — and they return only six starters from last year’s group that finished 3-9. Stanford got outgained by -128 Yards-Per-Game in Pac-12 play. The Cardinal have failed to cover the point spread in 8 of their last 11 games on the road — and they have failed to cover the point spread in 5 of their last 7 games in September.

FINAL TAKE: Hawai’i has covered the point spread in 9 of their last 13 games as an underdog including in their touchdown loss to Vanderbilt last week. 8* CFB Friday Late Show Bailout with the Hawai’i Rainbow Warriors (156) plus the points versus the Stanford Cardinal (155). Best of luck for us — Frank.

At 7:00 PM ET on Friday, we will be playing the Central Michigan Chippewas (151) plus the points versus the Michigan State Spartans (152). THE SITUATION: Central Michigan (0-0) returns 13 starters from a team that finished 4-8 last season. Michigan State (0-0) has 13 starters back from their team that was 5-7 last year.

REASONS TO TAKE THE CHIPPEWAS PLUS THE POINTS: The Spartans thrived by using the transfer portal in their 11-2 season two years ago — but are they now losing in the transfer window? The concern about relying on transfer players as opposed to original recruits who are brought up in the system is that the short-term fix may sacrifice the value of culture. Fourth-year head coach Mel Tucker watched his starting quarterback Payton Thorne and his top wide receiver Keon Coleman transfer out of the program after spring practice. The culture that is being nurtured in East Lansing has to be questioned under the leadership of the guy who spurned Colorado in the February after his first season there — and who was able to coax the Michigan State administration to grant him a 10-year, $95 million contract after that 11-2 campaign in 2021. Tucker brought in another 15 transfers this season, but these may simply be retreads of players who failed to succeed at other programs. Tucker only has a 23-21 record as a head coach — take away the ’21 season (and striking gold with the Wake Forest running back Kenneth Walker III in the transfer portal) and his Spartans are just 7-12.  And by the way, his team started a riot in the tunnel against Michigan players after their 29-7 loss last October. Culture … and now Tucker is playing games by not naming his starting quarterback for tonight’s game. Michigan State will likely deploy junior Noah Kim and/or sophomore Katin Houser under center tonight. Kim was Thorne’s backup last year and got into four games. Houser is a former four-star recruit. Neither has much experience. The Spartans have seven starters back from a defense that ranked 100th in the FBS by allowing 416.5 Yards-Per-Game. Michigan State finished 12th in the Big Ten by getting outgained by -109 YPG — and it is not clear at all the roster has not taken a step or two back this year. Central Michigan was a disappointing 4-8 season last year. Was that record a fluke or a harbinger of a slide in the Chippewas program? This team finished 9-4 in 2021 — and they had a 26-13 record in the first three seasons under head coach Jim McElwain before the dip last year. The Chippewas were only outgained by -7.1 YPG but suffered three upset losses while ranking second in the FBS with a -18 net turnover margin. Nine starters return on defense from a group whose 11 of 18 players who were on the field for 150 or more snaps were freshmen or sophomores. But McElwain has questions at quarterback and seems to lack playmakers on offense. But McElwain has an inventive offensive mind who served as Nick Saban’s offensive coordinator at Alabama from 2008-2011 -- and it was his success there that got him head coaching jobs at Colorado State and then Florida. His teams have covered the point spread in 9 of their last 13 games on the road as an underdog — and his teams have also covered the point spread in 5 of their last 6 games against Power Five teams. Central Michigan has covered the point spread in 11 of their last 14 road openers to a new season.

FINAL TAKE: These two teams last played in 2018 when Michigan State held a 31-3 lead before hanging on to a 31-20 victory as a four-touchdown favorite. The Spartans have failed to cover the point spread in 12 of their last 15 home games when laying 10.5 to 14 points. Central Michigan would love to pull an upset against in an in-state rivalry game they care more about than Sparty. The Chippewas have covered the point spread in 7 of their last 10 games as an underdog — and they have covered the point spread in 6 of their last 9 games in non-conference play. 10* CFB Central Michigan-Michigan State FS1-TV Special with the Central Michigan Chippewas (151) plus the points versus the Michigan State Spartans (152). Best of luck for us — Frank.

At 8:00 PM ET on Thursday, we will be playing the Utah Utes (148) minus the points versus the Florida Gators (147). THE SITUATION: Utah (0-0) returns 16 starters from the team that finished 10-4 after their 35-21 loss to Penn State in the Rose Bowl. Florida (0-0) sees 11 starters back from their 6-7 team that lost to Oregon State by a 30-3 score in the Las Vegas Bowl.

REASONS TO TAKE THE UTES MINUS THE POINTS: Utah will be without sixth-year senior quarterback Cameron Rising for this game as he continues to recover from the torn ACL he suffered in the Rose Bowl. With redshirt freshman Brandon Rose also nursing an injury, head coach Kyle Whittingham likely turns to sophomore Bryson Barnes as his starting quarterback tonight. Barnes was solid in a start last season against Washington State. He completed 17 of 27 passes for 175 yards with a touchdown and no interceptions in leading the Utes to a 21-17 victory. He also rushed for 51 yards on eight carries. Expect a similar performance in this opener with offensive coordinator Andy Ludwig not asking the sophomore to do too much with his arm. Utah will want to impose their will with the physical style of play that has led them to two straight Pac-12 titles. They return three starters on an offensive line that has depth. They have a 226-pound bruising sophomore running back in Ja’Quinden Jackson who rushed for 531 yards and 6.8 Yards-Per-Carry last season. The defense returns nine starters and the tenth most net production in the country from a unit that ranked 26th in the nation by allowing only 21.4 Points-Per-Game and 334.1 total Yards-Per-Game. The Utes have 12 of the 17 defensive players who logged-in at least 200 snaps last year. Utah has covered the point spread in 8 of their last 10 games in August — and they have covered the point spread in 4 of their last 6 games against teams currently in the SEC. Florida finished their season on a three-game losing streak in the first year under head coach Billy Napier. They lost several players to the NFL including quarterback Anthony Richardson. Napier brought in senior Graham Mertz from Wisconsin to be his starting quarterback. Mertz was never very impressive for the Badgers — he struggled with pocket presence and precision with his passing. The reports were that he was shaky in the spring — and he is playing behind an offensive line that lost four starters to either the NFL or the transfer portal. The wide receiving unit lost three of their top four players from last season. The Gators’ offense will likely lean on their running back duo of Montrell Johnson, Sr. and Trevor Etienne — but Utah returns three starters and plenty of depth from a defensive line that helped them rank 17th in the FBS by holding their opponents to just 111.4 rushing YPG. Napier has a significant rebuilding assignment at a program that took some steps back in recruiting in the five seasons under their previous head coach Dan Mullen. The talent on defense has not been the same for years. Florida ranked 96th in the nation by allowing 411.0 total YPG — and they allowed 30 or more points in six of their losses. They lost their top five tacklers from last season as well. The Gators have failed to cover the point spread in 6 of their last 9 games on the road — and they have failed to cover the point spread in 8 of their last 12 road games with the Total set in the 42.5-45 point range. They have failed to cover the point spread in 7 of their last 10 games against non-conference opponents. And in Napier’s last 8 games when his team was the underdog getting 3.5 to 10 points, they failed to cover the point spread 5 times.

FINAL TAKE: Utah has won 19 straight games at home at Rice-Eccles Stadium when playing in front of crowds over the last three seasons. They have covered the point spread in 21 of their last 30 home games when favored. 10* CFB Florida-Utah ESPN Special with the Utah Utes (148) minus the points versus the Florida Gators (147). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the Hawai’i Rainbow Warriors (311) plus the points versus the Vanderbilt Commodores (312). THE SITUATION: Hawai’i (0-0) returns 14 starters from the team that finished 3-10 last season. Vanderbilt (0-0) has 15 starters back from their team that finished 5-7.

REASONS TO TAKE THE RAINBOW WARRIORS PLUS THE POINTS: The Hawai’i faithful hope that embracing the traditions of past glory help second-year head coach Timmy Chang elevate the Rainbow Warriors into contenders to reach bowl games once again. The offense showed signs of life when they embraced Run-and-Shoot principles midseason. But has the Run-and-Shoot been exposed as an offensive scheme with structural weaknesses since the days of the early 2000s when Chang was the team’s quarterback for head coach June Jones? Schemes cannot replace talent — and Chang is rebuilding a proud program that hit rock bottom when they could not field a team for the 2021 Hawai’i Bowl in the waning days of the train wreck that was the Todd Graham era. Chang inherited a program that required a massive rebuild undertaking after ranking second-to-last in FBS teams returning production. Chang has stopped the bleeding — and has begun to use the transfer portal to upgrade the roster. Hawai’i won two of their three games after the shift to the Run-and-Shoot last season. Four of their final six losses were decided by one-scoring possession — so they were much more competitive in their games in the second half of the season. The Rainbow Warriors have covered the point spread in 8 of their last 12 games as an underdog — and they have covered the point spread in 6 of their last 8 games as a double-digit underdog. Vanderbilt hopes that their teaching and coaching player development overcome the hits the Commodores are absorbing in the transfer portal. Head coach Clark Lea has lost 12 players in the transfer window to fellow Power-5 programs in the last two seasons. Vandy has high hopes for sophomore A.J. Swann as a potential rising star at quarterback after winning the job four games into the season last year. But while he had only two interceptions last season, he still committed 13 turnover-worthy plays in just 198 pass attempts — so he may be a Turnover Machine waiting to happen. The Commodores' defense allowed 36.0 Points-Per-Game last season, ranking 124th in the nation — and the 6.8 Yards-Per-Play they allowed was the third-highest mark in the FBS. Vanderbilt has failed to cover the point spread in 19 of their last 25 games at home — and they have failed to cover the point spread in 5 of their last 6 games at home with the Total set in the 49.5-56 range.

FINAL TAKE: Hawai’i will be looking to avenge a 63-10 loss at home to the Commodores in the opening game of their season last year. Chang has overseen significant growth in the year since his opening game as the Rainbow Warriors' head coach — and he will be using this rematch as a benchmark game for his program. Expect this one to be closer than the August 27th encounter last season. 8* CFB Saturday Night Discounted Deal with Hawai’i Rainbow Warriors (311) plus the points versus the Vanderbilt Commodores (312). Best of luck for us — Frank.

At 7:30 PM ET on Monday, we will be playing the Georgia Bulldogs (288) minus the points versus the TCU Horned Frogs (287) in the National Championship Game. THE SITUATION: Georgia (14-0) continued their unbeaten season with their 42-41 victory against Ohio State as a 4.5-point favorite last Saturday. TCU (13-1) advanced to this championship game with their 51-45 upset victory against Michigan as a 9-point underdog on Saturday. This game is being played on a neutral field at SoFi Stadium in Inglewood, California.

REASONS TO TAKE THE BULLDOGS MINUS THE POINTS: The Horned Frogs have been a great story all season — and they continued their Cinderella run last week with an improbable victory against the Wolverines. But cooler heads need to prevail with how improbable this achievement was — as they needed help from the refs, along with arrogant play-calling from the Michigan coaching staff, and plenty of mistakes from the Wolverines’ players. TCU got outgained by -40 yards with their defense giving up 528 total yards. On the first drive of the game, Michigan should have taken the three points when it was 4th down on the Horned Frogs' 2-yard line. Instead, they went for it, which is fine enough, but rather than running behind their two-time reigning Joe Moore award-winning top offensive line, they called some double-reverse Philly special disaster that was flagged by their calling a timeout before the play — as if winning the game was already a lock and they wanted to load up the game tape for their opponent in the national championship. The defensive stop gave the underdogs momentum — and that was later bolstered when the Horned Frogs returned the first of two interceptions for touchdowns. Michigan failed to score touchdowns on three drives that got inside the TCU 3-yard line — they settled for only three points in those drives. The referees played a role in one of those red zone failures by a very sketchy overturn in a 50-yard touchdown pass (after these refs incorrectly spotted the previous play five yards farther back against the Wolverines than it should have been). The Wolverines then muffed the handoff to the linebacker-converted running back. From J.J. McCarthy’s two pick-sixes in this game and the two failures to score points at the TCU two-yard line, that represented a likely 27-point swing for the Horned Frogs (who missed a two-point conversion on the second interception they returned for a touchdown) — and Michigan still had the ball with a chance to win the game (before the refs swallowed their whistles after a textbook targeting violation which would have been called every time if not in the last minute of the game). The Wolverines exposed the TCU defense in the second half when they finally unleashed McCarthy to move the ball with his legs. Michigan scored 35 points in a 16 minute-span beginning with their field goal to end the 3rd quarter. But they continued to give up big plays on defense with defensive coordinator Jesse Minter deploying aggressive zero blitz schemes to get after Max Duggan who was able to counter with big plays. Quentin Johnson scored a critical touchdown in the 3rd quarter by inducing a bad missed tackle before going to the races against the Wolverines' defense that did not have a safety back to help in an emergency like this. The Georgia coaching staff will not make these arrogant mistakes — and they will discover that Duggan and the Horned Frogs' offense was mostly being contained, save for these big plays. Granted, TCU has lived off its explosiveness all season — but that is more reason for the Bulldogs to not be arrogant and focus their energies on taking these potential big plays away from the Horned Frogs. TCU ran the ball 41 times for 263 yards which was the best rushing effort in their last ten games. But now they face a Georgia defense that went into the playoffs holding their opponents to just 2.9 rushing Yards-Per-Carry with just five rushing touchdowns. To compound matters, the Horned Frogs’ top running back Kendre Miller is questionable with an injury that he suffered last week. What happens to the TCU offense if they struggle to run the ball? What happens if they have to start playing from behind rather than benefitting from two defensive touchdowns? Credit goes to the Horned Frogs coaching staff — and Duggan who is a wily veteran quarterback who can burn opposing defense with his legs — as they scored touchdowns on every one of their red zone trips (despite ranking 80th in Red Zone Efficiency going into that game) and every one of their goal-to-go plays. But can they continue to do that against this Georgia defense? Duggan only completed 14 of his 29 passes for 225 yards — and he threw two interceptions. As it is, TCU has failed to cover the point spread in 4 of their last 5 games after allowing 40 or more points in their last game. And while McCarthy threw for 343 yards against them, the Horned Frogs have failed to cover the point spread in 4 of their last 5 games after allowing 280 or more yards in their last contest. This remains a team that has won six of their seven games decided by one-scoring possession with five second-half comebacks along the way. Away from home, TCU is only outgaining their opponents by +12.7 Yards-Per-Game while giving up 428.6 YPG. The Horned Frogs' defense is far from elite — they have given up 31 or more points six times and 28 or more points eight times (which is more than half their games). Immediately after the game, there was a narrative that their 3-3-5 defense held up against the stout Michigan offensive line. Really? The Wolverines ran the ball 40 times for 186 yards (4.65 YPC) even with their questionable play-calling. Only a Big 12 team can be praised for the play of their defense after giving up 45 points and 528 total yards. And now here comes Georgia looking to defend their national championship from last year after demonstrating their grit and tenacity to beat a Buckeyes team with nothing to lose after losing their big game against Michigan which seemed to remove them from the playoffs at the time. Georgia has covered the point spread in 24 of their last 32 games after a point spread loss including nine of these last eleven circumstances. They have also covered the point spread in 10 of their last 13 games after a victory where they did not cover the point spread as the favorite. The Bulldogs outgained Ohio State by +66 net yards after generating 533 total yards against them — and they have covered the point spread in 23 of their last 32 games after gaining at least 450 yards in their last game. While their elite defense gets most of the credit, the Georgia offense has scored at least 37 points in three straight games and four of their last five after scoring 37 or more points in three straight games. And while the Bulldogs have allowed 348 passing yards, they have then covered the point spread in 24 of their last 35 games after allowing 325 or more passing yards. Georgia has covered the point spread in 15 of their last 22 games played on a neutral field — and they have covered the point spread in 8 of their last 11 bowl games.

FINAL TAKE: Despite winning last week, are the Horned Frogs still a bit satisfied to just be in this position? I felt that way last week — and while they pulled off the upset, they needed lots of help. In head coach Sonny Dykes first year with the program after they were 5-7 last year, there is simply a huge talent disparity in this game. Can TCU pull off another improbable effort? This is the 5th time in the last three seasons where they are an underdog getting 10.5 to 21 points — and they have failed to cover the point spread in 3 of those 4 games. They have also failed to cover the point spread in 11 of their last 16 games played on a neutral field. Georgia is loaded with future NFL talent that has won 28 of their last 29 games in the last two seasons. They have a huge edge in big-game experience — and they have covered the point spread in 9 of their last 10 games when favored by 10.5 to 21 points including these last seven circumstances. Look for the Bulldogs to seize a lead, impose their will, and overwhelm the Horned Frogs for the win and cover. 25* CFB Game of the Year with the Georgia Bulldogs (288) minus the points versus the TCU Horned Frogs (287). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Ohio State Buckeyes (273) and the Georgia Bulldogs (274) in the College Football Playoff Semifinals in the Peach Bowl. THE SITUATION: Ohio State (11-1) lost their first game of the season in a 45-23 upset loss against Michigan as a 9-point favorite on November 26th. Georgia (13-0) continued their unbeaten season with a 50-30 win against LSU as a 17-point favorite in the SEC Championship Game on December 3rd. This game is being played at Mercedes-Benz Stadium in Atlanta.

REASONS TO TAKE THE BUCKEYES PLUS THE POINTS: Ohio State allowed only 15.6 Points-Per-Game and 5.2 Yards-Per-Play in their first ten games — but their last two contests against Maryland and then the Wolverines saw them give up 37.5 PPG and 7.3 YPP. The extended break since the loss to Michigan should help the Ohio State defense get back to full health. Injuries slowed down linebacker Tommy Eichenberger, defensive backs Lathan Ransom and Denzel Burke, and defensive tackle Michael Hall, Jr. They will be in better condition tonight. The Buckeyes were a defense that ranked 8th in the nation in Opponent Rush Success Rate Allowed and 27th in Yards-Per-Attempt allowed in the passing game. Their pass defense tightened to hold their opponents to just 5.5 YPG when placing seven or more defenders in the box — so the commitment to stop the run should not burn them with big plays in the passing game tonight as it did against the Wolverines. Defensive coordinator Jim Knowles has had over a month to make corrections from the mistakes against Michigan. Ohio State has covered the point spread in 12 of their last 14 games away from home after a loss at home at the Horseshoe. The Buckeyes have also covered the point spread in 5 of their last 7 games after a loss by 21 or more points — and they have covered the point spread in 10 of their last 13 games after an upset loss against a Big 10 foe as a home favorite. And while they have covered the point spread just once in their last three games, they have then covered the point spread in 8 of their last 11 games after failing to cover the point spread in two of their last three games. Georgia has failed to cover the point spread in 11 of their last 15 games after covering the point spread as a double-digit favorite in their last game. And while the Bulldogs generated 529 yards against the Tigers, they have then failed to cover the point spread in 6 of their last 8 games after gaining at least 525 yards in their last game. Georgia did show some vulnerability with their defense as LSU gained 549 yards against them. Facing the Buckeyes will be their toughest test this season. The Total is set high for Georgia with the Total in the low-60s. The Bulldogs have failed to cover the point spread in 6 of their last 7 games with the Total set in the 56.5-63 point range including three of their four games this season with the Total set in that range.

FINAL TAKE: Ohio State has covered the point spread in 5 of their last 8 games as an underdog getting 3.5 to 7 points on a neutral field. 10* CFB Saturday Night Discounted Deal with the Ohio State Buckeyes (273) plus the points versus the Georgia Bulldogs (274). Best of luck for us — Frank.

At 4:00 PM ET on Saturday, we will be playing the Michigan Wolverines (276) minus the points versus the TCU Horned Frogs (275) in the College Football Semifinals in the Fiesta Bowl. THE SITUATION: Michigan (13-0) continued their unbeaten season with their 43-22 victory against Purdue as a 16-point favorite in the Big Ten Championship Game on December 3rd. TCU (13-0) lost their first game of the season in a 31-28 loss to Kansas State as a 1-point underdog in the Big 12 Championship Game on December 3rd. This game is being played at the State Farm Stadium in Glendale, Arizona.

REASONS TO TAKE THE WOLVERINES MINUS THE POINTS: Michigan was happy to reach the Semifinals last year after beating Ohio State and winning the Big Ten title — but now they are aiming to win the National Championship. They should build off their momentum — they are 5-1-1 ATS in their last 7 games after a straight-up win and they are 4-1-1 ATS in their last 6 games after a win by 20 or more points. They are also 3-0-1 ATS in their last 4 games after a point-spread victory. And while the Wolverines gave up 456 total yards to the Boilermakers, they are then 4-1-1 ATS in their last 6 games after allowing 450 or more yards in their last game. Sophomore quarterback J.J. McCarthy threw for 20 touchdowns with just three interceptions this season. He has specialized in the vertical passing game by averaging 18.4 yards per completion in his last two games with seven of his 24 completions being of 20 or more yards and four of those completions being 40 or more yards. The Wolverines were probably holding back their passing attack for the Ohio State game — now with the benefit of bowl practice, expect another growth spurt in development in the former five-star recruit out of high school. The Wolverines’ red zone issues also improved late in the season — after a 64% touchdown rate in their red zone trips in the first two months of the season, they scored TDs in 75% of their red zone trips after November 1st. Michigan should remain on schedule after ranking 6th in Standard Down Success Rate — and they face a Horned Frogs defense that was 61st in Standard Down Success Rate Allowed including ranking 69th in that department specifically against the run. TCU allowed four of their last five opponents to either rush for 200 or more yards or average at least 5.0 Yards-Per-Carry. The Wolverines may have the best offensive line in the nation — I suspect they will overwhelm the Horned Frogs' 3-3-5 defense that attempts to hide a small defensive front. TCU gave up 208 rushing yards to Kansas State — and they have failed to cover the point spread in 11 of their last 15 games after allowing 200 or more rushing yards in their last contest. That Wildcats team is similar — albeit with less talent — than what the Horned Frogs will face today in the Wolverines. TCU’s defense can be scored on — Kansas and Oklahoma State combined for 71 points against them. They rank 128th in Opponent Explosiveness Allowed on Standard Downs which is a scary proposition against this Wolverines team. The Horned Frogs only outgained their opponents by +20.2 YPG when playing away from home. They have covered the point spread only once in their last three games — and they have failed to cover the point spread in 7 straight games after failing to cover the point spread in two of their last three games. They have failed to cover the point spread in 11 of their last 15 games played on a neutral field — and they have failed to cover the point spread in 7 of their last 10 bowl games.

FINAL TAKE: Michigan has covered the point spread in 5 of their last 7 games against teams outside the Big Ten — and they have covered the point spread in 5 of their last 7 games against ranked opponents. Finally, 11 of the last 15 CFP Semifinal games have been decided by more than 14 points — and 8 of those winners were favorites laying more than seven points. 10* CFB TCU-Michigan ESPN Special with Michigan Wolverines (276) minus the points versus the TCU Horned Frogs (275). Best of luck for us — Frank.

At 8:00 PM ET on Friday, we will be playing the Clemson Tigers (267) minus the points versus the Tennessee Volunteers (268) in the Orange Bowl. THE SITUATION: Clemson (39-10) won for the third time in their last four games in their 39-10 victory against North Carolina as a 7-point favorite in the ACC Championship Game on December 3rd. Tennessee (10-2) has won two of their last three games after their 56-0 win against Vanderbilt as a 14-point favorite on November 26th.

REASONS TO TAKE THE TIGERS MINUS THE POINTS: Clemson’s season was jumpstarted against the Tar Heels when head coach Dabo Swinney benched junior D.J. Uigalelei for freshman phenom Cade Klubnik in the first half of that game. Klubnik completed 20 of his 24 passes for 279 yards with a touchdown and no interceptions to lead the Tigers to the 29-point win. Klubnik was considered by many to be the top quarterback in the 2022 class — and it was clear his presence on the field energized his teammates. Now this Clemson team looks to build momentum for a potential national championship run next year. The Tigers have covered the point spread in 25 of their last 37 games on the road after a win by 21 or more points — and they have covered the point spread in 33 of their last 49 games on the road after a win by 28 or more points. They have covered the point spread in 8 of their last 9 games on the road after a point-spread win. And after Clemson passed for 317 yards overall against the Tar Heels, they have then covered the point spread in 18 of their last 26 games after passing for at least 280 yards in their last game. Swinney has to adjust two significant opt-outs with defensive end Myles Murphy and linebacker Trenton Simpson leaving the team to prepare for the NFL draft. But star defensive tackle Bryan Bresee is playing in this game and the players entering the transfer portal are limited. The Tigers remain loaded with talent on defense after holding their opponents to 20.1 Points-Per-Game this season. Clemson has covered the point spread in 8 of their last 10 games with the Total set in the 56.5 to 63-point range. Tennessee’s losses at this point of the season are much more significant. Their top two wide receivers, Jalin Hyatt and Cedric Tillman have opted out to prepare for the NFL draft. Their top linebacker Jeremy Banks has also opted out. Offensive coordinator Alex Golesh left the program to become the head coach at South Florida. But the biggest loss has been the season-ending injury to quarterback Hendon Hooker who has since left the team for the NFL draft. Senior Joe Milton will be their quarterback tonight after he completed only 11 of 21 passes for just 147 yards against the Commodores. Milton does not operate the Volunteers' offense like Hooker was able to do. He originally played at Michigan where he was unable to hold on to the starting quarterback job in 2020 — the Wolverines’ 2-4 season. After losing the starting job, he transferred to Tennessee where he was the presumed starter in head coach Josh Heupel’s first season. But he faltered and was quickly usurped by Hooker who took the quarterback gig and ran with it the last two seasons. Hilton has a strong arm — but his accuracy remains a problem and he is not as mobile as Hooker. The Volunteers relied on their running game against the Volunteers — but they have failed to cover the point spread in 16 of their last 21 games after failing to pass for at least 170 yards in their last game. They have failed to cover the point spread in 24 of their last 32 games after a win by 20 or more points — and they have failed to cover the point spread in 4 of their last 5 games after a win by three or more touchdowns. They have also failed to cover the point spread in 19 of their last 28 games after scoring 40 or more points in their last contest. The Volunteers’ defense is a weak link — especially in the passing game where they ranked 94th in Opponent Pass Success Rate Allowed and gave up 450 or more passing yards in three games. They have failed to cover the point spread in 8 of their last 10 games after not allowing more than 20 points in their last game — and they have failed to cover the point spread in 12 of their last 16 games after not allowing more than 14 points in their last contest.

FINAL TAKE: Tennessee has failed to cover the point spread in 9 of their last 11 games against teams outside the SEC — and they have failed to cover the point spread in 4 straight games played on a neutral field. Clemson has covered the point spread in 16 of their last 21 games in December — and they have covered the point spread in 11 of their last 14 bowl games under Swinney. 25* College Football Game of the Month is with the Clemson Tigers (267) minus the points versus the Tennessee Volunteers (268). Best of luck for us — Frank.

At 3:30 PM ET on Friday, we will be playing the Notre Dame Fighting Irish (264) minus the points versus the South Carolina Gamecocks (263) in the Gator Bowl. THE SITUATION: Notre Dame (8-4) saw their five-game winning streak snapped in a 38-27 loss at USC as a 4-point underdog on November 26th. South Carolina (8-4) has won two straight games and three of their last four after a 31-30 upset win at Clemson as a 14-point underdog on November 26th. This game is being played at TIAA Bank Field in Jacksonville, Florida.

REASONS TO TAKE THE FIGHTING IRISH MINUS THE POINTS: The Gamecocks have pulled off two straight upset victories as they upset Tennessee as a 22.5-point favorite before beating Clemson the next week. But South Carolina has failed to cover the point spread in 5 of their last 7 games after upsetting two straight opponents. They have also failed to cover the point spread in 4 of their last 6 games after pulling off an upset in their last contest. Additionally, the Gamecocks have failed to cover the point spread in 8 of their last 11 games after a straight-up win — and they are 2-9-1 ATS in their last 12 games after a point spread victory. Second-year head coach Shane Beamer will be missing many of the key players who made these last two upsets possible. The top three defensive backs have opted out of this game to prepare for the NFL draft as has their stud defensive tackle Zach Pickens and a starting offensive lineman. Beamer also lost his fourth starting defensive back along with their top two running backs and a good tight end to the transfer portal. Furthermore, one of their leading wide receivers, Josh Vann, remains out with an injury. As it is, this was a group this season that got outgained in yardage by -13.3 net Yards-Per-Game. This team won both of the games that were decided by one-scoring possession. In their five games away from home, South Carolina got outscored by -4.8 PPG — and they got outgained in yardage by -30.2 net YPG. Notre Dame has covered the point spread in 5 of their last 7 games after a point spread loss. And while they have only covered the point spread once in their last three games, they have then covered the point spread in 8 of their last 10 games after failing to cover the point spread in two of their last three games. The Fighting Irish did not force a turnover against the Trojans — but they have covered the point spread in 6 straight road games after not forcing more than one turnover in their last game. And in their last 10 games after winning five or six of their last seven games, they have covered the point spread in 8 of these contests. Quarterback Drew Pyne completed 23 of 26 passes for 318 yards with three touchdown passes against USC — and the Irish have covered the point spread in 4 of their last 5 games after playing a game where they passed for 280 or more yards. Pyne has entered the transfer portal given the return of Tyler Buchner after missing most of the season with a shoulder injury. Buchner looks good to go after taking part in all 14 of the practices in preparation for this game. He is considered significantly better than Pyne. Buchner put up meager numbers in his two starts of the season (including a tough assignment against Ohio State) — but this is a much better Notre Dame offense now with significant improvement coming from their offensive line. The Fighting Irish have a good ground game with a three-headed monster of Chris Tyree, Logan Diggs, and Auric Estime. The Irish averaged 183 rushing Yards-Per-Game. The Gamecocks were vulnerable against good running teams even when their defense was at full strength — they surrendered 190 rushing YPG and 5.0 Yards-Per-Carry. Notre Dame has their own opt-out and transfer portal issues. Most significantly, their All-American tight end Michael Mayer and likely NFL first-round draft pick Isaiah Foskey have opted out. Three other Irish players then Pyne entered the transfer portal — but they combined for just 81 snaps this season.

FINAL TAKE: This is an important game for the Fighting Irish who want to continue the momentum under first-year head coach Marcus Freeman. Notre Dame has covered the point spread in 5 of their last 7 games when favored by seven points or less when playing on a neutral field. 20* CFB South Carolina-Notre Dame ESPN Special with the Notre Dame Fighting Irish (264) minus the points versus the South Carolina Gamecocks (263). Best of luck for us — Frank.

At 9:00 PM ET on Thursday, we will be playing the Washington Huskies (257) plus the points versus the Texas Longhorns (258) in the Alamo Bowl. THE SITUATION: Washington (10-2) has won six straight games after their 51-33 win at Washington State as a 2.5-point favorite on November 26th. Texas (8-4) has won three of their last four games after their 38-27 win against Baylor as a 10-point favorite on November 25th.

REASONS TO TAKE THE HUSKIES PLUS THE POINTS: Washington to continue to ride their momentum established under first-year head coach Kalen DeBoer — they have covered the point spread in 5 of their last 6 games after a point spread win. They have also covered the point spread in 5 of their last 7 games after winning two games in a row — and they have covered the point spread in 4 of their last 5 games after winning three straight games. The Huskies took a 28-27 halftime lead in that contest — and they have covered the point spread in 4 straight games after scoring 24 or more points in the first half of their previous game. Additionally, Washington gained a whopping 733 yards against the Cougars' defense while averaging 10.65 Yards-Per-Play — and they have covered the point spread in 5 of their last 7 games after averaging 6.25 or more YPP in their last game. And while they outgained Washington State by +270 net yards, they have then covered the point spread in 5 of their last 7 games after outgaining their previous opponent by +125 or more yards. They have also covered the point spread in 6 of their last 9 road games after a game where both teams scored 31 or more points. Junior quarterback Michael Penix, Jr. should be motivated in this contest after declaring that he will return to Washington for his senior season — this will be the former Indiana transfer’s first bowl game in his career. He completed 25 of 43 passes for 485 yards with three touchdowns against the Cougars — and the Huskies have covered the point spread in 4 of their last 5 games after passing for 375 or more yards in their last game. Penix leads an offense that leads the nation in Pass Success Rate. They average 377 passing YPG — and the Longhorns have failed to cover the point spread in 6 straight games against opponents who average 275 or more passing YPG. Washington enters this bowl game with a full roster — but Texas is down some key players. The Longhorns’ top-two running backs, Bijan Robinson and Roschon Johnson have opted out for the NFL. Several depth players on both sides of the ball are in the transfer portal. But the biggest loss might be linebacker Demarion Overshown who is also opting out for the NFL draft. He led the Texas defense in tackles and quarterback pressure rate. The Huskies lead the nation in Havoc Rate Allowed — and they gave up only seven sacks this season. That leaves exposed a vulnerable Texas defense that ranked 85th in Pass Explosiveness Allowed. The Longhorns have failed to cover the point spread in 6 of their last 7 games after winning two games in a row — and they have failed to cover the point spread in 6 straight games after beating two straight Big 12 opponents in a row. And while they have two straight double-digit victories, head coach Steve Sarkisian’s teams have failed to cover the point spread in 5 straight games after two or more wins by 10 or more points in a row. Freshman Quinn Ewers struggled down the stretch of the season with his average depth of target dropping to just 5.4 yards per attempt — far below the 11-yard target depth for his passes on the season. He also sees his adjusted completion percentage drop by 20% when facing pressure — and now he faces a Washington defense that averaged 3.0 sacks per game and ranked 21st by Pro Football Focus in their Pass Rush grading.

FINAL TAKE: The Longhorns have failed to cover the point spread in 4 of their last 6 games when listed in the +/- 3-point range. The Huskies have covered the point spread in 4 straight games against teams outside the Pac-12. 10* CFB Washington-Texas ESPN Special with the Washington Huskies (257) plus the points versus the Texas Longhorns (258). Best of luck for us — Frank.

At 9:00 PM ET on Wednesday, we will be playing the Mississippi Rebels (251) minus the points versus the Texas Tech Red Raiders (252) in the Texas Bowl. THE SITUATION: Mississippi (8-4) has lost three straight games after their 24-22 upset loss to Mississippi State as a 2.5-point favorite on November 24th. Texas Tech (7-5) has won three games in a row after their 51-48 upset victory in overtime against Oklahoma as a 1.5-point underdog on November 26th. This game will be played at NRG Stadium in Houston.

REASONS TO TAKE THE REBELS MINUS THE POINTS: For those that question the motivation Ole Miss has for this game, then they don’t appreciate what Lane Kiffin is trying to do with this football program. Kiffin proclaimed himself the “portal king” after bringing in 15 transfer players last year — with many of them highly recruited out of high school. Kiffin firmly believes the paradigm has changed. Gone are the days of bringing in huge freshmen classes of players who will stay in the program for five years. Instead, high-profile coaches like Kiffin can recruit players from other schools and offer them high-profile jobs that represent either an upgrade from their current situation or more playing time from where they are at. Given that, bowl games like this — especially in prime time — are essential recruiting opportunities to sell the program. Now that the black cloud regarding the rumors of him taking the Auburn job that continued past kick-off in the Egg Bowl against Mississippi State last month, Kiffin and his new contract extension are all-in with this program. It starts by ending the season on a positive note. The Rebels have covered the point spread in 12 of their last 15 games on the road after an upset loss to a conference rival as a home favorite. And while Ole Miss has not covered the point spread in their last two games, they have then covered the point spread in 5 straight games after not covering the point spread in two straight games. Kiffin’s roster is close to fully intact with no players opting out for the NFL draft. Three players entered the transfer portal including a cornerback in the two deep — but the departing defensive end only had 31 snaps and backup quarterback Luke Altmyer is clearly behind sophomore Jaxson Dart. The former USC transfer completed 63% of his passes while averaging 8.1 yards per attempt. He is complemented by freshman phenom running back Quinshon Judkins who has rushed for 439 yards with a 6.18 Yards-Per-Carry despite the Rebels losing those games — all to bowl teams in Alabama, Arkansas, and Mississippi State, by the way. Ole Miss outscored their opponents by +10.0 Points-Per-Game and outgained them by +109.5 net Yards-Per-Game. In their five road games, the Rebels outscored their opponents by +5.8 PG and outgained them by +135.0 net YPG. Led by Judkins and Dart who averaged 4.7 Yards-Per-Carry in his 117 rushing attempts, Ole Miss was third in the nation by averaging 262 rushing YPG. They should have plenty of success running against this Red Raiders defense that ranks 90th in the FBS by allowing 166 rushing YPG. The Texas Tech defense is the weak link in this game — they rank 97th in the nation by allowing 29.5 PPG. In their last three games, the Red Raiders are allowing 540.0 YPG. This team comes into this bowl game riding high with two straight upsets against Iowa State and then the Sooners. But Texas Tech has failed to cover the point spread in 5 of their last 6 games after an upset win. They have failed to cover the point spread in 24 of their last 35 games after pulling off an upset against a Big 12 rival including four of these last five circumstances. Additionally, the Red Raiders are 2-7-1 ATS in their last 10 games after a straight-up victory — and they are 5-11-1 ATS in their last 17 games after a point-spread win. They have also failed to cover the point spread in 8 of their last 9 games after scoring 37 or more points in their last game. This team overachieved in the first season under head coach Joey McGuire — they have won all four of their games decided by one scoring possession. But this group is just 1-4 on the road with them getting outscored by -7.6 PPG. This Texas Tech is also without their All-American defensive end Tyree Wilson who has been out with an injury since November. The Red Raiders have failed to cover the point spread in 5 of their last 7 games in December.

FINAL TAKE: McGuire was an assistant head coach for Baylor last year after being their tight ends coach for years — but his previous experience was as a long-time high school coach in Texas so this is his first bowl game as a head coach. Texas Tech has failed to cover the point spread in 8 of their last 11 bowl games — and they have failed to cover the point spread in 5 of their last 7 games in the SEC. Ole Miss is 7-3-1 ATS in their last 11 games against teams outside the SEC — and they are 6-2-1 ATS in their last 9 bowl games. 25* CFB Wednesday ESPN Game of the Year with the Mississippi Rebels (251) minus the points versus the Texas Tech Red Raiders (252). Best of luck for us — Frank.    

At 3:15 PM ET on Tuesday, we will be playing the Utah State Aggies (239) plus the points versus the Memphis Tigers (240) in the First Responder Bowl. THE SITUATION: Utah State (6-6) had their three-game winning streak snapped in a 42-23 loss at Boise State as a 16.5-point underdog on November 25th. Memphis (6-6) had their two-game winning streak snapped in a 34-31 loss at SMU as a 4-point underdog to end their regular season. This game is being played at Gerald Ford Stadium in Dallas, Texas.

REASONS TO TAKE THE AGGIES PLUS THE POINTS: SMU lost all four of their games decided by one possession. After settling for a 6-6 mark last year with 13 starters back from that squad, expectations were higher for this team rather than settling for another 6-6 campaign and a bowl date with a 6-6 team from the Mountain West Conference. As it is, the Tigers have failed to cover the point spread in 4 of their last 6 games after a loss by three points or less. They have also failed to cover the point spread in 7 of their last 9 games after a point spread victory. Memphis has a dynamic offense led by sophomore quarterback Seth Henigan who completed 27 of 44 passes for 287 yards in the loss to the Mustangs. But the Tigers have failed to cover the point spread in 6 of their last 8 games after passing for 280 or more yards in their last game. Henigan will be challenged by a Utah State defense that ranks 35th in the nation in Opponent Pass Success Rate Allowed. But the bigger problem for Memphis is their defense as they allow 27.3 Points-Per-Game — and in their five games on the road, they allowed their opponents to generate 420.6 total Yards-Per-Game which resulted in 36.2 PPG. The Tigers have a 25-4 record at home at Liberty Bowl Memorial since 2017 — but they were just 1-4 on the road this season. Memphis has failed to cover the point spread in 9 of their last 11 road games after the first month of the season under head coach Ryan Silverfield. They have also failed to cover the point spread in 9 of their last 13 games with the Total set in the 56.5 to 63-point range. For Utah State, contrary to published reports, senior running back Calvin Tyler, Jr. is not opting-out for this game to prepare for the NFL draft. Said Tyler about these rumors, he is “definitely playing.” He rushed for 1043 yards this season. He is joined by junior quarterback Cooper Legas who may be labeled a third-stringer by some given the talent that second-year head coach Blake Anderson brought in through the transfer portal, but Legas was the Most Valuable Player in last year’s Louisiana Bowl when he led the Aggies to a 24-13 victory against Oregon State. He completed 23 of 40 passes for 306 yards and added 51 rushing yards against the stout Boise State defense in Utah State’s last game. The Aggies have covered the point spread in 6 of their last 7 games after passing for 280 or more yards in their last game. They should have success against this Memphis defense that ranks 104th in the FBS in Opponent Pass Success Rate Allowed — and the Tigers also rank 126th in the nation in Points Allowed from opponent trips inside their 40-yard line. After a 1-4 start which included losses at Alabama and BYU (along with bad losses to Weber State and UNLV), Utah State won five of their last seven games. The Aggies have then covered the point spread in 8 of their last 10 games after winning four or five of their last six games — and they have covered the point spread in 19 of their last 27 games after winning five or six of their last seven games. Anderson’s teams at Utah State and in his previous stint at Arkansas State have covered the point spread in 9 of their last 12 games after a loss to a conference rival by double-digits. Anderson’s Utah State teams have covered the point spread in 9 of their 13 games in the second half of the season.

FINAL TAKE: Memphis has failed to cover the point spread in 9 of their last 11 games in December — and they have failed to cover the point spread in 5 of their last 6 bowl games. The Tigers have also failed to cover the point spread in 4 of their last 5 games against non-conference opponents. 25* CFB Group of Five Bowl Game of the Year with the Utah State Aggies (239) plus the points versus the Memphis Tigers (240). Best of luck for us — Frank.

At 3:00 PM ET on Friday, we will be playing the UL-Lafayette Ragin’ Cajuns (229) plus the points versus the Houston Cougars (230) in the Independence Bowl. THE SITUATION: UL-Louisiana (6-6) has won two of their last three games after their 41-13 win at Texas State as a 5-point favorite on November 26th. Houston (7-5) had their two-game winning streak snapped in a 37-30 upset loss to Tulsa as a 13-point favorite on November 26th. This game will be played at Independence Stadium in Shreveport, Louisiana.

REASONS TO TAKE THE RAGIN’ CAJUNS PLUS THE POINTS: It has been a disappointing season for the Cougars who entered the season as one of the favorites to win the American Athletic Conference and a dark horse favorite to represent the Group of Five in a New Years Six Bowl Game. But after returning 13 starters from their 12-2 campaign last year,             the Cougars underperformed due mostly to a defense that gave up 33.5 Points-Per-Game and 431.3 total Yards-Per-Game — a -13.1 net PPG and -130.2 net YPG drop from a season ago. The offense remained potent behind senior quarterback Clayton Thune — but for a team that passes the ball at the 12th highest rate in the nation, the weather conditions in Shreveport this afternoon will not be conducive to chucking the ball around 40 or more times. The temperature will be in the mid-20s with winds gusting in the 13-14 miles per hour range. The hardened ball with cold hands and winds impacting the trajectory of thrown passes impacts the ability to successfully execute the intermediate to long passing game — and the Ragin’ Cajuns will know this and be able to adapt. Thune complete 26 of 47 passes for 386 yards in the losing effort to the Golden Hurricane — but Houston has failed to cover the point spread in 8 of their last 11 games after passing for at least 280 yards in their last game. They have also failed to cover the point spread in 25 of their last 37 games on the road after passing for at least 375 yards in their last contest. The Cougars averaged 7.23 Yards-Per-Play while gaining 506 total yards against Tulsa — but they have failed to cover the point spread in 11 of their last 14 games after averaging at least 6.25 YPP in their last game and they have failed to cover the point spread in 6 of their last 8 games after gaining at least 450 yards in their last contest. Houston has failed to cover the point spread in 6 of their last 7 games in December — and they have failed to cover the point spread in 5 of their last 7 games played on a neutral field. The Cougars have also failed to cover the point spread in 4 of their last 5 games in bowl games — and head coach Dana Holgorsen’s teams have failed to cover the point spread in 7 of his 9 bowl games. UL-Louisiana has a 7-3 straight-up record in bowl games. They should be very motivated to play well close to home against a higher-profile team from the American Athletic Conference. They lost all three of their games decided by one-scoring possession — so they could have had eight or even nine wins with a few more breaks. The Ragin’ Cajuns have some players opting out mostly on offense — but they will have sophomore quarterback Chase Fields under center after he missed several games in the middle of the year. He did return at the end of the season — and he completed 16 of 26 passes for 187 yards with two touchdown passes while leading the offense to 41 points. This game is important for the program as they build for next season — and Fields should have success against this Cougars' defense. Houston ranks 87th in the nation in Opponent Pass Success Rate Allowed. They were 119th in the FBS by allowing 2.92 net points per drive — and they ranked 83rd in the nation in Opponent Finishing Drive Rate Allowed. The strength of the Ragin’ Cajuns is probably their secondary which remains at full strength for this contest. UL-Lafayette held the Bobcats to just 133 passing yards — and they have covered the point spread in 6 straight games after not allowing more than 170 passing yards in their last game. The Ragin’ Cajuns rank 21st in the nation in Opponent  Pass Success Rate Allowed — and they were graded as the 12th best coverage secondary by Pro Football Focus. They also rank 45th in the FBS in Opponent Finishing Drive Rate. UL-Lafayette has covered the pint spray in 9 of their last 12 games against teams with a winning record — and they have covered the point spread in 5 of their last 7 games against non-conference opponents.

FINAL TAKE: The Ragin’ Cajuns have covered the point spread in 7 of their last 10 games as an underdog — and the Cougars have failed to cover the point spread in 7 of their last 8 games when favored. 10* CFB Independence Bowl ESPN Special with the UL-Lafayette Ragin’ Cajuns (229) plus the points versus the Houston Cougars (230). Best of luck for us — Frank.

At 7:30 PM ET on Tuesday, we will be playing the Liberty Flames (224) plus the points versus the Toledo Rockets (223) in the Boca Raton Bowl. THE SITUATION: Liberty (8-4) has lost three games in a row after a 49-14 upset loss at home against New Mexico State as a 24-point favorite on November 26th. Toledo (8-5) won the Mid-American Conference Championship Game in a 17-7 victory against Ohio as a 3.5-point favorite on December 3rd. This game will be played at FAU Stadium in Boca Raton, Florida.

REASONS TO TAKE THE FLAMES PLUS THE POINTS: Liberty limped into the postseason getting upset in three straight games at Connecticut and Virginia Tech before laying an egg at home by five touchdowns as a 24-point favorite. Those losses against the Huskies and Hokies were just by four combined points before that debacle against the Aggies. Since that contest, head coach Hugh Freeze left to take the head coaching job at Auburn. Linebackers coach and co-defensive coordinator Josh Aldridge serves as the interim head coach before Jamey Chadwell takes over the program after serving as the Coastal Carolina coach. Pulling the upset tonight will also Liberty to end the season on a positive note after the disappointing end to the season. The Flames are 9-4-1 ATS in their last 14 games after failing to score more than 20 points in their last game. And while they allowed New Mexico State to rush for 214 yards, they are 13-3-1 ATS in their last 17 games after allowing 200 or more rushing yards in their last contest. They have also covered the point spread in 5 of their last 6 games with two or more weeks of rest. Liberty has been a solid team playing away from home — they are 4-2 on the road with an average scoring margin of +5.4 Points-Per-Game. They outgain their opponents playing away from home by +79.8 net Yards-Per-Game. The Flames have covered the point spread in 9 of their last 10 games as an underdog. Toledo dominated Ohio in the MAC Championship Game by outgaining them by +128 net yards. But despite scoring 32.0 PPG this season, they have topped the 30-point mark just once in their last six games. The Rockets have a good defense — but they are vulnerable to giving up big plays. Toledo ranks 114th in Opponent Rush Explosiveness Allowed and 66th in Opponent Pass Explosiveness Allowed. They were 5-1 when playing at home — but in their seven games on the road, they were just 3-4 while getting outscored by -5.5 PPG. The Rockets' offense will be challenged by a Flames defense that ranks 8th in the nation in Opponent Success Rate Allowed. Liberty has been stout against both the run and the pass — they rank 15th in Opponent Rush Success Rate Allowed and 6th in Opponent Pass Success Rate Allowed. They also rank 4th in Defensive Havoc Rate while leading the nation by averaging 9.1 tackles-for-loss per game and tied for third in the nation with 41 sacks. Toledo has failed to cover the point spread in 4 of their last 5 games against non-conference opponents — and they have failed to cover the point spread in 4 straight bowl games under head coach Jason Candle.

FINAL TAKE: Toledo has failed to cover the point spread in 5 of their last 6 games against teams with a winning record — and they have failed to cover the point spread in 6 of their last 8 games in December. Liberty has covered the point spread in 5 straight games against teams with a winning record — and they have covered the point spread in 5 straight games in December. 10* CFB Boca Raton Bowl ESPN Special with the Liberty Flames (224) plus the points versus the Toledo Rockets (223). Best of luck for us — Frank.

At 3:30 PM ET on Tuesday, we will be playing the San Jose Spartans (222) minus the points versus the Eastern Michigan Eagles (221) in the Famous Potato Idaho Bowl. THE SITUATION: San Jose State (7-4) snapped a two-game losing streak with their 27-14 win against Hawai’i as a 16-point favorite on November 26th. Eastern Michigan (8-4) has won three games in a row after their 38-19 upset win against Central Michigan as a 1.5-point underdog on November 25th. This game is being played at Albertsons Stadium in Boise, Idaho.

REASONS TO TAKE THE SPARTANS MINUS THE POINTS: This has been an emotional season for San Jose State after freshman running back Cameron Wright was killed crossing the street on an e-scooter in late October. It is probably not a coincidence that the Spartans ended the season failing to cover the point spread in six straight games. But this group can put a bow on their season with a successful effort in their bowl game — and it would be the first bowl victory for this program since 2015. The last thing I considered before investing in this game was the temperates in Boise being in the low-30s. How would this Bay Area team deal with the cold conditions? San Jose State played at Utah State on November 19th a month ago with the temperatures in Logan dropping into the 20s — and they lost 35-31 as a 1.5-point underdog. But former Hawai’i quarterback Chevan Cordeiro was effective under center by completing 20 of 30 passes for 257 yards with four touchdown passes and no interceptions. Cordeiro is a dual-threat who ran for 508 yards from scrambles this year — so I think this team will handle the weather just fine. They have covered the point spread in 6 of their last 9 games after a double-digit win against a conference rival. The Spartans’ defense will certainly travel and show up in the cold weather — they held their opponents to 20.3 Points-Per-Game this season. Led by defensive linemen Viliami Fehoko and Cade Hall, San Jose State finished 14th in the nation in Havoc Rate while generating 36 sacks, ranking 5th in the nation. The Spartans ranked 20th in the nation in Opponent Finishing Drive Rate. Head coach Brent Brennan brings his entire roster to Boise with no opt-outs or players in the transfer portal — and he has a healthy team. San Jose State thrives in the turnover department with a +12 net turnover margin on the season. Cordeiro protects the football with only four interceptions this year. They did not force a turnover against the Rainbow Warriors — but they have covered the point spread in 29 of their last 43 games after not committing a turnover. They have not committed more than one turnover in a game this entire season — and they have covered the point spread in 32 of their last 49 games after not committing more than one turnover in two more games in a row. Additionally, the Spartans have covered the point spread in 6 of their last 7 games in December — and they are 16-6-1 ATS in their last 23 games against teams with a winning record. Eastern Michigan got outgained in yardage this season — but they benefited from a 5-1 record in games decided by one-scoring possession to reach eight wins. The Eagles have failed to cover the point spread in 16 of their last 22 games on the road after a win at home against a Mid-American Conference rival. They have also failed to cover the point spread in 16 of their last 22 games after a win by 17 or more points. They are just 6-13-1 ATS in their last 20 games after a point-spread victory — and they have failed to cover the point spread in 25 of their last 36 games after scoring at least 37 or more points in their last contest. They have failed to cover the point spread in 20 of their last 28 games after not allowing more than 20 points in their last game. And while they held the Chippewas to only 175 yards in their last game, they have then failed to cover the point spread in 9 of their last 13 games after not allowing more than 275 yards in their last contest. Eastern Michigan will struggle to protect quarterback Taylor Powell — they ranked 85th in Pass Protection while giving up 30 sacks. On defense, they ranked 129th in Opponent Finishing Drive Rate.

FINAL TAKE: The Eagles have failed to cover the point spread in 7 of their last 9 games against non-conference opponents. San Jose State has covered the point spread in 31 of their last 46 games when favored by 3.5 to 10 points. 10* CFB Famous Idaho Potation Bowl ESPN Special with the San Jose Spartans (222) minus the points versus the Eastern Michigan Eagles (221). Best of luck for us — Frank.

At 2:30 PM ET on Monday, we will be playing the Connecticut Huskies (219) plus the points versus the Marshall Thundering Herd (220) in the Myrtle Beach Bowl. THE SITUATION: Connecticut (6-6) was on a three-game winning streak before losing at Army by a 34-17 score as a 10.5-point underdog on November 19th. Marshall (8-4) has won four games in a row after their 28-23 victory against Georgia State as a 6.5-point favorite on November 26th. This game is being played at Brooks Stadium in Conway, South Carolina.

REASONS TO TAKE THE HUSKIES PLUS THE POINTS: Connecticut vastly overachieved this season under first-year head coach Jim Mora. The Huskies only won one game last year after not playing in 2020 because of COVID. Mora inherited a mess — but the former Atlanta Falcons and UCLA head coach brought a sense of professionalism to the program. This is an important game for his football time — not only are they building momentum for next season, but this game will also help with recruiting. Expect a spirited effort from the double-digit underdogs. As it is, Connecticut has covered the point spread in 5 of their last 6 games after a straight-up loss — and they have covered the point spread in 7 of their last 10 games after a loss on the road. They have also covered the point spread in 5 of their last 6 games after a point spread loss — and they have covered the point spread in 4 straight games after failing to score more than 20 points in their last game. The Huskies closed out their season winning five of their last seven games — and they have covered the point spread in 19 of their last 25 games after winning five of their last seven games. They had covered the point spread in seven games in a row before their loss to Army — and they have covered the point spread in 24 of their last 35 games after covering the point spread in four or five of their last six games. Connecticut played an ambitious schedule this year as an independent with games against Michigan and Fresno State. Mora will use this game for the continued development of freshman quarterback Zion Turner. He is complemented by freshman running back Victor Rosa who ran for 561 yards and nine touchdowns. The Huskies enter this game at nearly full strength. No player is opting out for this game (a bowl game advantage for a program lacking NFL talent) — and only running back Nate Carter entered the transfer portal after losing out in playing time to Rosa. Wide receivers Cam Ross and Keenan Marion have been injured but might be able to return for this game. Marshall may be due for a letdown against a less-than-inspiring opponent. They have failed to cover the point spread in 4 of their last 5 games after winning four games in a row. And while they have covered the point spread in four of their last six games, they have then failed to cover the point spread in 5 of their last six games after covering the point spread in four or five of their last six contents. And while the Thundering Herd surrendered 291 passing yards to the Panthers in their last game, they have then failed to cover the points spread in 4 straight games after allowing 280 or more passing yards in their last game. Marshall has an outstanding defense that held their opponents to just 16.2 Points-Per-Game. But they benefited from winning three of their four games decided by one scoring possession. They were also fortunate to end the season with a +7 net turnover margin. The Thundering Herd have not committed a turnover in two straight games — but they have then failed to cover the point spread in 4 of their last 5 games after playing a game where they did not commit more than one turnover. They have also failed to cover the points spread in 35 of their last 51 games after not committing more than one turnover in two straight games. Marshall can struggle to score — they rank 127th in the nation by scoring just 2.7 points per drive inside their opponents' 40-yard line.

FINAL TAKE: The Thundering Herd have doled to cover the points spread in 5 straight games in December — and they have failed to cover the point spread in 6 of their last 9 games as a favorite laying 10.5 to 21 points. The Huskies have covered the point spread in 6 of their last 9 games as an underdog. 10* CFB Myrtle Beach Bowl ESPN Special with the Connecticut Huskies (219) plus the points versus the Marshall Thundering Herd (220). Best of luck for us — Frank.

At 9:15 PM ET on Saturday, we will be playing the North Texas Mean Green (217) plus the points versus the Boise State Broncos (218) in the Frisco Bowl. THE SITUATION: North Texas (7-6) has lost two of their last three games after their 48-27 loss to UTSA in the Conference USA Championship Game as an 8-point underdog on December 2nd. Boise State (9-4) had their three-game winning streak snapped in a 28-16 upset loss to Fresno State as a 3-point favorite in the Mountain West Conference Championship Game on December 3rd. This game will be played at Toyota Stadium in Frisco, Texas.

REASONS TO TAKE THE MEAN GREEN PLUS THE POINTS: North Texas should be plenty motivated to play well in this game. After they failed to stay close with the Roadrunners in their first trip to the Conference USA Championship Game under Sean Littrell, the administration fired him in his seventh year with the program. Defensive coordinator Phil Bennett serves as the interim head coach before Washington State offensive coordinator, Eric Morris, takes over as the new face of the program. The team is in good hands under Bennett who was previously the head coach at SMU. The Mean Green lost all five of their bowl games under Littrell — this group would love to erase that mark. They are led by their 29-year-old quarterback Austin Aune who is entering the NFL draft after this game but still decided to play in it. This provides the former New York Yankees prospect an opportunity to audition for an NFL team who may not be drafting their next starting QB but who are looking for a capable backup to bolster their quarterback room. For the love of God after handicapping the roster attrition for the 12 teams that played in bowl games today, North Texas enters this game with zero opt-outs, zero players in the transfer portal, and a healthy roster. That’s not why I am investing in them, but it doesn’t hurt. The Mean Green have rebounded to cover the point spread in 5 of their last 7 games after a straight-up loss — and they have covered the point spread in 6 straight games on the road after a straight-up loss. They have also covered the point spread in 9 of their last 13 games after a loss by 20 or more points. And while they gave up 571 total yards to UTSA, they have then covered the point spread in 10 of their last 14 games after allowing 450 or more yards in their last contest. They went into halftime of that game trailing by a 24-10 score — but they have covered the point spread in 24 of their last 35 road games after allowing 24 or more points in the first half of their previous game. Aune is a gunslinger who passed for over 3300 yards with 32 touchdown passes. He is complemented by a three-headed monster in the backfield with Ikaika Ragsdale, Ayo Adeyi, and Oscar Adaway III helping the team generate 202 rushing Yards-Per-Game, ranking in the top 25 in the nation. The Mean Green are happy to get into a scoring fest. They have covered the point spread in 4 of their last 5 games after a contest where 70 or more combined points were scored — and they have covered the point spread in 6 of their last 9 games with the Total set at 63 or higher. Boise State is playing in its first bowl game since 2019 after opting out of the postseason in each of the last two seasons. They only gained 321 yards in their loss to Fresno State in the Mountain West Conference Championship Game. They won seven of their final nine games after head coach Andy Avalos fired offensive coordinator Tim Plough and benched senior quarterback Hank Bachmeier for Taylor Green. The 6’6 freshman offers a dual threat as he averaged 40.5 rushing YPG with his legs. But he only generated 194.4 passing YPG in the air and may not have the chops just yet to outduel Aune. The Broncos lean on their defense — they held the Bulldogs to only 72 rushing yards and 245 total yards. But they have then failed to cover the point spread in 6 of their last 8 games after allowing 100 or fewer rushing yards in their last game.

FINAL TAKE: Boise State has failed to cover the point spread in 4 straight games in non-conference play — and they have failed to cover the point spread in 4 straight games in December. North Texas has covered the point spread in 6 of their last 7 games against teams with a winning record. 10* CFB Frisco Bowl ESPN Special with the North Texas Mean Green (217) plus the points versus the Boise State Broncos (218). Best of luck for us — Frank.

At 11:30 AM ET on Saturday, we will be playing the Miami (OH) RedHawks (201) plus the points versus the UAB Blazers (202) in the Bahamas Bowl. Miami (OH) (6-6) won three of their last four games to end their regular season concluding with an 18-17 victory against Ball State as a 2.5-point favorite on November 22nd. UAB (6-6) won two of their last three games after a 37-27 victory at Louisiana Tech as an 18.5-point favorite on November 26th. This game is being played at Thomas Robinson Stadium in Nassau, Bahamas.

REASONS TO TAKE THE REDHAWKS PLUS THE POINTS: Miami (OH) looks to cap off their season under head coach Chuck Martin in his ninth year with the program. Quarterback Brett Gabbert has missed the last two games due to injury — and redshirt freshman Aveon Smith has played well in his absence. Gabbert planned to enter the transfer portal earlier this month — but he has since rescinded that decision. It is unclear if he will play in this game — but his return is a good indicator that there are good feelings inside the program moving forward. The RedHawks have covered the point spread 6 in their last 9 games after a narrow win at home. They have also covered the point spread in 10 of their last 13 games after failing to cover the point spread in their last game — and they have covered the point spread in 6 straight road games after failing to cover the point spread in their last contest. And while Miami (OH) gave up 265 rushing yards to the Cardinals, they have then covered the point spread in 6 straight games after allowing 200 or more rushing yards in their last game. The RedHawks are a good defensive team that only allows 22.5 Points-Per-Game. They should play better in defending the run considering they ranked 40th in the nation by holding their opponents to 135.8 rushing Yards-Per-Game — and they ranked 22nd in the FBS in Opponent Rush Success Rate Allowed. If Smith is under center again, he offers Miami (OH) a dual-threat option that Gabbert lacks. He led the team with 503 rushing after rushing for 84 yards against Ball State. He also passed for 217 yards with a touchdown pass. UAB may be enjoying the Bahamas with their new head coach Trent Dilfer waiting in the wings. After Bill Clark surprised the program by stepping down in the summer, offensive coordinator Bryant Vincent was tapped as the interim head coach. He led the team to a 6-6 record and this bowl — but it could have been more after they lost all five games decided by one-scoring possession. While the Blazers are better than their .500 record, their motivation now as a double-digit favorite is the more pertinent question at hand. As it is, UAB has failed to cover the point spread in 5 straight games after a straight-up win — and they have failed to cover the point spread in 4 of their last 5 games after a point spread loss. And while they have failed to cover the point spread in 6 straight games away from home after only covering the point spread once in their last three contests. And while the Blazers surrendered 467 total yards to the Bulldogs in their last game, they have then failed to cover the point spread in 5 straight games after allowing 450 or more yards. After a four-turnover game on the road at Western Kentucky, UAB has only committed three turnovers — and never more than one a game — in five straight contests. But the Blazers have failed to cover the point spread in 7 of their last 8 games after not committing more than one turnover in their last game — and they have failed to cover the point spread in 14 of their last 18 games after not committing more than one turnover in three straight games. To compound matters, they will be without their leading rusher, DeWayne McBride who is dealing with an unspecified injury. While senior running back Jermaine Brown ran for 832 yards this season, McBride was the best offensive player on the team with his 1713 rushing yards and 19 touchdowns.

FINAL TAKE: UAB is in a bit of a transition from the Clark era to the hiring of a Super Bowl-winning quarterback in Dilfer whose head coaching experience is at a Nashville private high school. Miami (OH) is an established program under Martin that have a solid record of performing well in the postseason. The RedHawks have covered the point spread in 7 straight games in the postseason — and they have covered the point spread in 4 straight bowl games including their 27-14 win against North Texas in the Frisco Football Classic last year. Miami (OH) may not pull the upset — but they should keep this game close. 10* CFB Bahamas Bowl ESPN Special with the Miami (OH) RedHawks (201) plus the points versus the UAB Blazers (202). Best of luck for us — Frank.

At 4:00 PM ET on Saturday, we will be playing the Fresno State Bulldogs (315) plus the points versus the Boise State Broncos (316) in the Mountain West Conference Championship Game. THE SITUATION: Fresno State (8-4) has won seven games in a row after their 30-0 win against Wyoming as a 14-point favorite last Friday. Boise State (9-3) has won three in a row — and seven of their last eight — after their 42-23 victory against Utah State as a 16.5-point favorite on Friday.

REASONS TO TAKE THE BULLDOGS PLUS THE POINTS: Fresno State’s numbers need to be taken with a grain of salt given the midseason injury to senior quarterback Jake Haener. The gunslinger will be one of the top quarterbacks taken in the NFL draft this spring. In the seven games he finished this year, he averaged 330.7 passing Yards-Per-Game. For the year, he completed 73.5% of his passes with 17 touchdown passes and just three interceptions. Even without Haener under center all season, the Bulldogs ranked 15th in the nation in Success Rate on offense — and they were top 25 in both Rush Success Rate and Pass Success Rate. They scored 30.9 Points-Per-Game and generated 407.0 Yards-Per-Game. They should continue off the momentum they have established since Haener returned to action. Fresno State has covered the point spread in 5 of their last 7 games after a win at home against a conference rival — and they are 27-13-2 ATS in their last 42 games after a point spread win. Additionally, the Bulldogs have covered the point spread in 30 of their last 45 games after winning three or more conference games in a row — and they have covered the point spread in 33 of their last 51 games after winning six or seven of their last eight games. They have also covered the point spread in 5 of their last 7 games after covering the point spread as a double-digit favorite in their last game. Fresno State has a good defense that gives up only 20.8 PPG — and they have held their last three opponents to just 14.7 PPG. They have covered the point spread in 6 of their last 9 games with the Total set in the 49.5-56 point range. Boise State has failed to cover the point spread in 13 of their last 19 games after a straight-up win — and they have failed to cover the point spread in 8 of their last 12 games after a win by double-digits. Additionally, the Broncos have failed to cover the point spread in 10 of their last 13 games after a win by 17 or more points — and they have failed to cover the point spread in 6 of their last 7 games after a point spread cover as a double-digit favorite. The Broncos' season turned around after a 2-2 start when offensive coordinator Tim Plough was replaced by former Tampa Bay Buccaneers head coach and veteran offensive coordinator Dirk Koetter. Freshman Taylor Green took over under center — and he led the team to a 6-1 record. While Green offers a running threat, he is not as dynamic as a passer as he averages only 196.9 passing YPG. He led an offense that averaged 7.25 Yards-Per-Play last week — but they have failed to cover the point spread in 4 of their last 5 games after generating 6.75 or YPP in their last game. Boise State gets to host this game on the blue turf at Albertsons Stadium — but they have failed to cover the point spread in 3 of their last 4 games at home when favored by up to seven points.

FINAL TAKE: The Broncos have failed to cover the point spread in 4 of their last 5 games in December — and the Bulldogs have covered the point spread in 5 of their last 7 games in conference play. 25* CFB Mountain West Conference Underdog of the Year with the Fresno State Bulldogs (315) plus the points versus the Boise State Broncos (316). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Kansas State Wildcats (307) plus the point(s) versus the TCU Horned Frogs (308) in the Big 12 Championship Game. THE SITUATION: Kansas State (9-3) rides a three-game winning streak after their 47-27 win against Kansas as an 11.5-point favorite last Saturday. TCU (12-0) remained unbeaten last week with their 62-14 victory against Iowa State as a 9.5-point favorite on Saturday. This game will be played on a neutral field at AT&T Stadium in Arlington, Texas.

REASONS TO TAKE THE WILDCATS PLUS THE POINT(S): I suspect the bubble bursts for the Horned Frogs who have been riding a wave of good fortune this season. TCU has been fortunate to play four opponents who were using backup quarterbacks due to injuries. They have rallied to win four of their ten games after fourth-quarter deficits. They have won all five of their games decided by one-scoring possession. They enjoy a +10 net turnover margin on the year — and they have only committed two turnovers in their last four games. Now this team faces the pressure of needing the win to clinch a spot in the College Football Playoff. Do the Horned Frogs still make the playoff with a loss this afternoon? Who knows what this (crooked) committee will do? Before one says, “of course, they do, the one-loss teams are in!” — keep in mind that TCU would be at least a touchdown underdog on a neutral field against both Ohio State and Alabama. The committee faces an existential crisis regarding how they justify their TV show (which promotes their later televised games involving the ranked teams, always positioned for the game to represent a de-facto playoff game). They may decide to dodge the Ohio State versus Alabama question by screwing the Big 12 team — and the analytics will defend that position. The uncertainty adds pressure — and, frankly, the fact that TCU may think they will still can back may only compound matters. I don’t like it. As it is, the Horned Frogs are 2-5-1 ATS in their last 8 games after not allowing more than 20 points in their last game. They only outgained the Cyclones last week by +47 net yards — they benefitted from a +3 net turnover margin. But now they go on the road where they are only outgaining their opponents by +13.0 net Yards-Per-Game while allowing their opponents to generate 415.7 net YPG. We saw last night with USC how teams with shaky defenses perform under pressure in neutral environments against physical opponents. TCU has failed to cover the point spread in 10 of their last 14 games played on a neutral field — and they have failed to cover the point spread in 6 of their last 9 games played on a neutral field when favored by seven points or less. Kansas State gets to play the role of the spoiler — and they are 19-9-1 ATS in their last 29 games after a straight-up win. They have also covered the point spread in 9 of their last 13 games after a victory against a Big 12 opponent. Additionally, they have covered the point spread in 6 of their last 8 games after scoring 40 or more points in their last contest. The Wildcats generated 7.16 Yards-Per-Play against the Jayhawks — and they have covered the point spread in 4 of their last 5 games after averaging at least 6.75 YPP in their last contest. Kansas State averaged 6.33 YPP in their previous game at West Virginia — and they have covered the point spread in 16 of their last 22 games on the road after generating at least 6.25 YPP in two straight games. Spencer Howard will be the starting quarterback in this game with Adrian Martinez still not 100%.   What Howard lacks in matching Martinez’s rushing ability, he makes up for in offering a vertical passing threat. Howard has 13 touchdowns and just two interceptions under key situations this season. In his last four starts for the Wildcats, he is leading an offense that generates 6.2 YPP — and Kansas State has outscored their opponents by an average score of 44-15. Martinez should be available as a backup — and he may get to play a few special packages that emphasize his running ability. The Wildcats have covered the point spread in 4 of their last 5 games played on a neutral field — and they are 5-2-1 ATS in their last 8 games against teams with a winning record.

FINAL TAKE: Kansas State will be looking to avenge a 38-28 loss at TCU on October 22nd in a game where Martinez got injured in the contest and then Howard got banged up coming in relief which neutralized his effectiveness. The Wildcats held a 28-10 second-quarter lead before Howard got injured and they did not score the rest of the way. But Kansas State has still covered the point spread in 4 of their last 5 games against the Horned Frogs. 25* CFB Conference Championship Game of the Year with the Kansas State Wildcats (307) plus the point(s) versus the TCU Horned Frogs (308). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Toledo Rockets (309) minus the points versus the Ohio Bobcats (310) in the Mid-American Conference Championship Game. THE SITUATION: Toledo (7-5) has lost two straight games after their 20-14 upset loss at Western Michigan as a 10.5-point favorite last Friday. Ohio (9-3) has won seven straight games after their 38-14 win against Bowling Green as a 5.5-point favorite back on November 22nd. This game will be played on a neutral field at Ford Field in Detroit.

REASONS TO TAKE THE ROCKETS MINUS THE POINTS: Toledo limps into the MAC Championship Game — but keep in mind that they had clinched their spot in this game for weeks. They are dealing with injuries at quarterback with starter DeQuan Finn dealing with upper body and ankle injuries and backup Tucker Gleason hampered by an injury to his non-throwing hand. But Finn did start last week before getting pulled after throwing two interceptions. Expect Finn to play better. This is a step-up game for the Rockets who were projected as the favorites to win the conference title this year. Seventh-year head coach Jason Candle needs to bring this one home with rumblings getting louder in the Toledo fan base that his top-rated conference recruiting classes in five of the last six years should have produced more than one championship. The Rockets’ victory today should start with the play of their defense. They rank 8th in the nation in Opponent Rush Success Rate Allowed and 19th in Opponent Pass Success Rate Allowed. They also rank 11th in the FBS in Havoc Rate. They held the Broncos to just 188 total yards but lost that game because of a -3 net turnover margin. Toledo has covered the point spread in 13 of their last 19 games after not allowing more than 275 yards in their last contest. They have also covered the point spread in 5 of their last 8 games after an upset loss — and they have covered the point spread in 7 of their last 8 games after losing two of their last three games. The offensive effort last week was a disappointment — but they are 15-5-2 ATS in their last 22 games after not scoring more than 20 points. They have also covered the point spread in 22 of their last 30 games after not scoring more than 14 points in their last contest. Ohio has an even more dire situation at quarterback after Kurtis Rourke suffered a season-ending knee injury two weeks ago. Rourke posted a raw QBR of 81 which was the second-best mark of all quarterbacks playing for a Group of Five teams. The Bobcats experience a big drop-off in play with backup quarterback C.J. Harris who completed only 10 of 21 passes for 196 yards last week. While Harris does offer the team a dual-threat rushing option, now Toledo has game tape on how Ohio wants to deploy him. Not much was expected of this Bobcats team that was 3-9 last year in the first season under head coach Tim Ahlin. But the Bobcats have lived on an opportunistic defense that has forced 24 turnovers this year. However, it is difficult to continue to rely on winning the turnover battle as Ohio has a +13 net turnover margin this season. They have only committed one turnover in their last three games — but they have failed to cover the point spread in 12 of their last 14 games after not committing more than one turnover in three straight games. The takeaways are obscuring the fact that the Bobcats are getting outgained in yardage this season. When playing away from home, Ohio is getting outscored by -4.5 net Points-Per-Game and outgained by -77.7 net Yards-Per-Game. The Bobcats have failed to cover the point spread in 21 of their last 31 games after winning their previous game by 20 or more points.

FINAL TAKE: Ohio has pulled off four upset wins this year — but one of those upsets was not at home against the Rockets earlier this year when they got beat by a 35-23 score. The Bobcats rank 113th in the nation in  Opponent Pass Success Rate Allowed — and they give up 441.8 total YPG. Toledo has covered the point spread in 6 straight games against teams who allow 425 or more YPG. 25* CFB Mid-American Conference Blowout of the Year with the Toledo Rockets (309) minus the points versus the Ohio Bobcats (310). Best of luck for us — Frank.

At 8:00 PM ET on Friday, we will be playing the Utah Utes (305) plus the points versus the USC Trojans (306) in the Pac-12 Championship Game. THE SITUATION: Utah (9-3) has won five of their last six games after their 63-21 victory at Colorado as a 30-point favorite last Saturday. USC (11-1) has won five in a row after a 38-27 win against Notre Dame as a 4-point favorite on Saturday. This game will be played on a neutral field at Allegiant Stadium in Las Vegas.

REASONS TO TAKE THE UTES PLUS THE POINTS: Utah will be quite familiar with these circumstances tonight as they are playing in their fourth Pac-12 Championship Game in the last five seasons. This will be a confident team who rallied from 14-0 and 21-7 first-quarter deficits to defeat the Trojans at home by a 43-42 score on October 15th. Head coach Kyle Whittingham should have an interesting game plan to slow down USC’s likely Heisman Trophy quarterback Caleb Williams. While Williams passed for 381 yards and five touchdowns, the Utes sacked him four times and pressured him into some bad throws after that initial quarter. USC only scored 20 points in the final three-quarters of that game. The Utah defense stopped the Trojans in 15 of their 28 third or fourth downs. Since the USC game, the Utes have held their last five opponents to 17.0 Points-Per-Game — and four of the touchdowns they gave up came in garbage time. Furthermore, Utah has given up more than 67 rushing yards only once in those five games. The Utes held the Buffaloes last week to just 185 total yards despite giving the most points since that Trojans game — but they have then covered the point spread in 6 of their last 7 games after not allowing more than 275 yards in their last contest. Utah should build off their late-season momentum as they have covered the point spread in 20 of their last 28 games after a straight-up win — and they have covered the point spread in 5 of their last 7 games after a win by 20 or more points. They have also covered the point spread in 5 of their last 7 games after a point spread victory. The Utes generated a whopping 662 yards against Colorado — and they have covered the point spread in 6 of their last 7 games after gaining at least 450 or more yards in their last contest. Quarterback Cam Rising completed 17 of 19 passes for 234 yards with three touchdown passes and no interceptions. Rising starred in the first meeting with USC by completing 30 of 44 passes for 415 yards. Tight end Dalton Kinkaid was unstoppable by catching all 16 of his targets for 234 yards. The weak link in this game is the Trojans' defense — they are surrendering 33.4 PPG and 475.6 YPG when playing away from home. USC ranks 116th in the nation in Opponents' Pass Success Rate Allowed and 121st in Opponent Finishing Drive Rate Allowed. USC gave up 318 passing yards to Notre Dame last week — and they have failed to cover the point spread in 16 of their last 23 games after allowing 280 or more passing yards in their last contest. They have been fortunate with a +22 net turnover margin on the season with only two giveaways all season — the second-best turnover margin this season is owned by Duke a +15 which is a dramatic gap.

FINAL TAKE: The stakes could not be higher for USC since it appears that a victory would get them into the College Football Playoff. This will be their third-straight high-emotion game after rivalry games against UCLA and Notre Dame. The Trojans have failed to cover the point spread in 8 of their last 10 games in December — and they have failed to cover the point spread in 10 of their last 11 games played on a neutral field. 10* CFB Utah-USC Fox-TV Special with the Utah Utes (305) plus the points versus the USC Trojans (306). Best of luck for us — Frank.

At 6:00 PM ET on Saturday, we will be playing the UNLV Rebels (198) minus the points versus the Nevada Wolf Pack (187). THE SITUATION: UNLV (4-7) lost for the sixth time in a row after a 31-25 upset loss at Hawai’i as an 11-point favorite last Saturday. Nevada (2-9) has lost nine games in a row after a 41-14 loss to Fresno State as a 22-point underdog last week.

REASONS TO TAKE THE REBELS MINUS THE POINTS: UNLV got caught traveling away from the mainland to play in Honolulu last week. They outgained the Rainbow Warriors by a 427 to 369 margin in yards in that game but still lost the game. The Rebels did get a good game out of quarterback Doug Brumfield who completed 23 of 37 passes for 288 yards while adding 55 more yards on the ground. UNLV has covered the point spread in 4 of their last 5 games after passing for at least 280 yards in their last game. The Rebels are a better team than their record indicates. Brumfield missed two games this season due to injury — and they averaged just 7.0 Points-Per-Game in those contests. But when Brumfield is healthy and under center, they are scoring 30.0 PPG. They lost all four of their games decided by one-scoring possession. They played tough against quality competition a 4-point loss to San Diego State, a 7-point loss to Fresno State, and a 6-point loss at California. They also scored 21 points on the road in South Bend against Notre Dame. Returning home to Allegiant Stadium on the Las Vegas strip, UNLV is scoring 35.6 PPG and generating 411.2 total Yards-Per-Game. They have covered the point spread in 5 of their last 7 games at home. Nevada started the season with two straight wins — but they are reeling now after getting scoring only 17 combined points and giving up 82 points to Boise State and Fresno State in their last two contests. Their average losing margin in their nine-game losing streak has been by three touchdowns. They lost to Incarnate Word out of the FCS by 14 points. At this point of the season, it appears that the Wolf Pack are low on morale. They have failed to cover the point spread in 7 of their last 8 games after a straight-up loss — and they have failed to cover the point spread in 6 of their last 7 games after a loss by 20 or more points. They have failed to cover the point spread in 6 of their last 7 games after a point spread victory. Additionally, Nevada gave up 524 yards last week to the Bulldogs — and they have failed to cover the point spread in 5 of their last 6 games after allowing at least 450 yards in their last game. They have also failed to cover the point spread in 4 of their last 5 games after not scoring more than 20 points in their last game. Quarterback Nate Cox is completing only 51% of his passes and averaging just 5.7 yards-per-attempt. They go back on the road where they are gaining only 244.0 YPG.

FINAL TAKE: UNLV will be motivated to end their season on a high note while avenging a 51-20 loss at Nevada to their in-state rival last week. The Rebels have covered the point spread in 5 of their last 7 games in November — and Nevada has failed to cover the point spread in 5 of their last 7 games in November. 25* CFB Mountain West Conference Game of the Year with the UNLV Rebels (198) minus the points versus the Nevada Wolf Pack (187). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Clemson Tigers (158) minus the points versus the South Carolina Gamecocks (157). THE SITUATION: Clemson (10-1) has won two games in a row after their 40-10 win against Miami (FL) as a 19-point favorite last Saturday. South Carolina (7-4) comes off their 63-38 upset win against Tennessee as a 23.5-point underdog last week.

REASONS TO TAKE THE TIGERS MINUS THE POINTS: The Gamecocks come off their Super Bowl as they rebounded from a 38-6 shellacking to Florida by shocking a Volunteers team that was still dreaming of a possible College Playoff berth before getting creamed by 25 points. South Carolina quarterback Spencer Rattler had thrown only eight touchdown passes all season before tossing six last week — but I suspect that speaks more about the state of the wretched Tennessee pass defense than it does about a sudden jump in quality in the Gamecocks passing attack. Rattler completed 30 of 37 passes for 438 yards — but they have failed to cover the point spread in 4 of their last 5 games after gaining at least 280 passing yards in their last game. Furthermore, South Carolina has failed to cover the point spread in 8 of their last 10 games after a straight-up win — and they are 1-3-1 ATS in their last 5 games after a win by 20 or more points. Additionally, they have failed to cover the point spread in 4 straight games after an upset win at home — and they have failed to cover the point spread in 5 straight games after a win at home against an SEC rival. And in their last 11 games after a point spread victory, they are then 1-9-1 ATS. They go back on the road where are 3-8-1 ATS in their last 12 games — and they are 1-5-1 ATS in their last 7 road games against teams with a winning record at home. They have failed to cover the point spread in 12 of their last 15 road games with the Total set in the 52.5 to 56-point range — and they have failed to cover the point spread in 5 straight road games as an underdog getting 7.5 to 14 points. The Gamecocks have failed to cover the point spread in 7 of their last 10 games against teams with a winning record. They have allowed their last three opponents to generate 492.0 total Yards-Per-Game — and they have failed to cover the point spread in 4 straight games after allowing 475 or more YPG in their last three contests. South Carolina is particularly vulnerable to good rushing attacks — they rank 128th in Opponent Rush Success Rate and 121st in Opponent Line Yards Allowed. Led by running back Will Shipley, Clemson ranks 18th in the nation in Rush Success Rate behind an offensive line that ranks 20th in the FBS in Line Yards. After suffering their lone loss of the season to Notre Dame, the Tigers have scored 71 combined points in their last two games while averaging 443 YPG. The Tigers have covered the point spread in 50 of their last 76 games after a point spread cover as a double-digit favorite — and they have covered the point spread in 5 of their last 7 games after a point spread win. The Clemson defense remains stout as always — they held the Hurricanes to just 98 yards last week. The Tigers have covered the point spread in 5 of their last 6 games after not allowing more than 275 yards in their last contest — and they have covered the point spread in 5 of their last 7 games after not allowing more than 20 points in their last contest. Clemson ranks 18th in the nation in Opponent Pass Success Rate while ranking 20th in Opponent Finishing Drives. They also rank 4th in Havoc Rate — and South Carolina ranks 128th in the FBS in Havoc Rate Allowed. The Tigers stay at home where they are 6-0 this season with an average winning margin of +18.7 PPG while outgaining their opponents by +137.0 net YPG. They have covered the point spread in 20 of their last 32 home games when favored by 7.5 to 14 points.

FINAL TAKE: Clemson needs to put up a big number for style points with the playoff committee that is not enamored with them right now — and they need to have their offense clicking before playing the suspect North Carolina defense in the ACC Championship Game next week. The Tigers’ playoff chances remain undervalued since with their strong possibility of only having one loss by the end of next week. Clemson has covered the point spread in 4 of their last 5 games in November — and South Carolina has failed to cover the point spread in 10 of their last 14 games in November. The Gamecocks have also failed to cover the point spread in 4 of their last 5 meetings with Clemson. 25* College Football Game of the Month with the Clemson Tigers (158) minus the points versus the South Carolina Gamecocks (157). Best of luck for us — Frank.

At 12:00 PM ET on Friday, we will be playing the Central Michigan Chippewas (117) plus the points versus the Eastern Michigan Eagles (118). THE SITUATION: Central Michigan (4-7) had their two-game winning streak end in a 12-10 upset loss at home against Western Michigan as a 9.5-point favorite last Wednesday. Eastern Michigan (7-4) has won three of their last four games after their 31-24 upset victory at Kent State as a 7.5-point underdog last Wednesday.

REASONS TO TAKE THE CHIPPEWAS PLUS (OR MINUS) THE POINT(S): The Eagles are bowl eligible with seven victories — but they cannot win the Mid-American Conference West Division since they trail Toledo by one game with the Rockets controlling the tie-breaker after beating Eastern Michigan earlier in the season. So while they would love to beat one of their in-state rivals that handed them a 31-10 loss last season, the urgency level is not extreme. Frankly, the Eagles have been overachieving all season after benefitting from winning five of their six games decided by one scoring possession — and they have pulled off four upset wins this year. They are getting outscored on the year — and they are getting outgained by -25.3 net Yards-Per-Game. The Eagles have failed to cover the point spread in 28 of their last 42 games after an upset victory — and they are 1-4-1 ATS in their last 6 games after a point spread win. Furthermore, they have failed to cover the point spread in 5 of their last 6 games after winning three of their last four games. And in their last 11 games when playing with eight or more days between games, they have failed to cover the point spread in 8 of these contests. They return home to Ypsilanti where they are just 2-3 while getting outscored by -7.2 net Points-Per-Game and getting outgained by -104.0 net YPG. Eastern Michigan has failed to cover the point spread in 4 of their last 5 games at home — and they have failed to cover the point spread in 35 of their last 51 home games against teams with a losing record on the road. The Eagles have also failed to cover the point spread in their last 5 games played on a Friday. Central Michigan lost their (realistic) chances to qualify for a bowl last week in their upset loss to the Broncos. That game was a mess — starting with a power outage that delayed the game to the Chippewas committing too many penalties and enduring a -2 net turnover margin. There remains a chance that earning their fifth win could set up the possibility of securing a bowl bid despite their losing record, but the probability of that is low. This game is likely the de-facto bowl game for head coach Jim McElwain’s team after a 9-4 campaign with a bowl victory against Washington State last season. Central Michigan has covered the point spread in 5 of their last 6 games after a loss at home — and they have covered the point spread in 4 of their last 5 games after a loss at home to a MAC rival. And while they gave up 255 rushing yards to Western Michigan last week, they have then covered the point spread in 5 of their last 7 games after allowing at least 200 rushing yards in their last contest. McElwain has made a change at quarterback by not relying on sophomore Daniel Richardson who is a pocket passer. Instead, he has been giving snaps to two redshirt freshmen dual-threat quarterbacks, Bert Emanuel, Jr., and Jade Bauer. Emanuel, Jr. is averaging 140 rushing YPG himself — and the Chippewas have won all four of their games when they gain at least 160 yards on the ground. Eastern Michigan allows 159 rushing YPG — and they have given up 160 or more yards on the ground in five of their games this year. Central Michigan has covered the point spread in 5 of their last 7 games on the road — and they have covered the point spread in 7 straight games on the road in the second half of the season. They have covered the point spread in 6 of their last 7 games against teams with a winning record — and they have covered the point spread in 19 of their last 26 games in November. The Chippewas have also covered the point spread in 4 straight games played on a Friday.

FINAL TAKE: Central Michigan has covered the point spread in 5 straight meetings with the Eagles — and they have covered the point spread in 5 of their last 6 games against Eastern Michigan in Ypsilanti. 25* CFB Mid-American Conference Game of the Year with the Central Michigan Chippewas (117) plus the points versus the Eastern Michigan Eagles (118). Best of luck for us — Frank.

At 7:00 PM ET on Saturday, we will be playing the Iowa State Cyclones (320) minus the points versus Texas Tech (319). THE SITUATION: Iowa State (4-6) has lost six of their last seven games after a 20-14 upset loss at Oklahoma State as a 3-point favorite last Saturday. Texas Tech (5-5) snapped a two-game losing streak in a 43-28 win against Kansas as a 3.5-point favorite on Saturday.

REASONS TO TAKE THE CYCLONES MINUS THE POINTS: Iowa State got upset for the third time this season with their loss to the Cowboys last week. It was also their fifth loss by one scoring possession. The Cyclones are still outscoring their opponents by +5.1 Points-Per-Game and outgaining them by +89.7 net Yards-Per-Game. They remain motivated to win their remaining two games to become bowl eligible. Iowa State should play hard for head coach Matt Campbell as they are 8-3-1 ATS in their last 12 games after a straight-up loss — and they are 3-1-1 ATS in their last 5 games after a point spread loss. They are also 3-0-1 ATS in their last 4 games after failing to score more than 20 points. Quarterback Hunter Dekkers struggled by throwing three interceptions last week — but the Cyclones have covered the point spread in 6 straight games after committing at least three turnovers. Iowa State has played six straight Unders due to the strength of their defense — they have covered the point spread in 6 of their last 7 games after playing at least four straight Unders. The Cyclones are allowing only 16.7 PPG and 280.8 total YPG. They rank 2nd in the nation in Opponent Explosiveness Allowed and 5th in Points Allowed-Per-Drive. They return home for Senior Night where they are outscoring their opponents by +10.0 PPG and outgaining them by +81.5 net YPG. Iowa State has covered the point spread in 25 of their last 36 home games after losing three of their last four contests. And while the Cyclones have allowed 57 and 76 rushing yards in their last two games, they have then covered the point spread in 28 of their last 41 games after not allowing more than 125 rushing yards in two straight games. Texas Tech got outgained by 25 yards despite their 15-point victory. But the Red Raiders are 0-7-1 ATS in their last 8 games after a straight-up win — and they have failed to cover the point spread in 5 of their last 6 games after a win against a Big 12 rival. Additionally, they have failed to cover the point spread in 11 of their last 13 games after a point spread win — and they are 0-6-1 ATS in their last 7 games after scoring at least 40 points in their last contest. Texas Tech will likely have to call on backup quarterback Tyler Shough to make his third start this season with Behren Morton questionable with an ankle injury. He will have to carry a defense that surrendered 525 yards last week to the Jayhawks. The Red Raiders have given up 35.7 PPG and 465.3 YPG in their last three contests. They go back on the road where they are winless in four contests while getting outscored by -10.5 net PPG. They only score 24.3 PPG on the road this season. Texas Tech has failed to cover the point spread in 6 of their last 8 road games with the Total set in the 42.5 to 49-point range — and they have failed to cover the point spread in 18 of their last 23 road games as an underdog getting 3.5 to 7 point range.

FINAL TAKE: Iowa State will have the additional motivation of revenge after getting upset in Lubbock last season by a 41-38 score as a 12.5-point road favorite. The Red Raiders are still only 1-4-1 ATS in their last 6 meetings against the Cyclones. 25* CFB FS1-TV Game of the Year with the Iowa State Cyclones (320) minus the points versus Texas Tech (319). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Baylor Bears (398) plus the points versus the TCU Horned Frogs (397). THE SITUATION: Baylor (6-4) had their three-game winning streak snapped with a 31-3 upset loss at home to Kansas State as a 2.5-point favorite on Saturday. TCU (10-0) remained undefeated this season with their 17-10 upset win at Texas as a 7.5-point underdog last Saturday.

REASONS TO TAKE THE BEARS PLUS THE POINTS: We had the Longhorns last week but got stung by the Horned Frogs playing their best defensive game of the season. TCU held Texas to just 199 total yards and made quarterback Quinn Ewers look like a freshman (and Texas head coach Steve Sarkisian as a consistent underachiever in big games). But this Horned Frogs' defense remains a concern. They had allowed at least 24 points in seven straight games before last week. They rank 113rd in Opponent Finishing Drive — and they are just 113th in the FBS in Pass Rush. They stay on the road where they are giving up 398.8 total Yards-Per-Game. The Horned Frogs clinched a spot in the Big 12 Championship Game in two weeks — but they still have tons of pressure on them since they control their fate to make the College Football Playoff. This is a prime letdown spot after the upset win against Texas. As it is, they have failed to cover the point spread in 15 of their last 20 games after an upset victory as a road underdog. They have failed to cover the point spread in 4 of their last 6 games after a win by seven points or less to a Big 12 rival. And while they held the Longhorns scoreless in the first half, they have then failed to cover the point spread in their last 3 games after not allowing more than a field goal in the first half of their last game. Quarterback Max Duggan completed 19 of his 29 passes but for only 124 passing yards. TCU managed just 283 total yards of offense despite being on offense for 37:22 minutes of that game. They have failed to cover the point spread in 3 of their last 4 games after not passing for more than 125 yards in their last contest. Duggan is playing through a calf injury that is impacting his mobility and completely taking away his scrambling abilities. Baylor’s three points and 103 rushing yards were both their lowest marks in those areas since 2020. The defense got caught unprepared for the Wildcats' passing attack after an injury forced Adrian Martinez out of the game early for Will Howard who offers Kansas State a passing threat (despite lacking Martinez’s mobility). Overall, it was just a very flat effort from this Baylor team on both sides of the football. But head coach Dave Aranda has been effective in getting his team ready to play after an underwhelming effort. The Bears have covered the point spread in 4 of their last 5 games after a straight-up loss — and they are 21-4-2 ATS in their last 27 games after a point spread loss. They have covered the point spread in 7 of their last 10 games after winning two of their last three games. They stay at home at Waco for Senior Day where they are outscoring their opponents by +13.4 net PPG and outgaining them by +139.4 net YPG. Baylor has covered the point spread in 9 of their last 12 games at home — and they have covered the point spread in 11 of their last 15 home games as an underdog. And while they did not force a turnover last week, they have covered the point spread in 6 straight home games after not forcing at least one turnover in their last game. The Bears and quarterback Blake Shapen have been inconsistent this season. They have been upset three times this season by Oklahoma State, West Virginia, and Kansas State last week. But they have pulled off upsets against Oklahoma and Iowa State. Shapen should play better after throwing two interceptions last week. His turnover-worthy plays are cut in half when he does not face pressure. He should have plenty of time to find open receivers given the suspect TCU pass rush — and the Bears rank 19th in the nation in pass blocking. Baylor also ranks 20th in the FBS in Rush Success Rate — and the Horned Frogs are just 50th in the nation in Opponent Rush Success Rate Allowed. The Bears have covered the point spread in 22 of their last 30 games against teams with a winning record — and they have covered the point spread in 11 of their last 15 games as an underdog. They have also covered the point spread in 7 of their last 8 games with the Total set in the 56.5 to 63-point range.

FINAL TAKE: TCU has been fortunate to play four opponents who were using backup quarterbacks due to injuries. They have rallied to win four of their ten games after fourth-quarter deficits. I thought they would get exposed last week — but we got Sarked. While it is foolish to chase losses, we don’t want to ignore good opportunities simply because of the previous week’s results either. This is a good spot for Baylor who is dangerous in the role of the underdog — so let’s attack. 25* CFB Big 12 Underdog of the Year with the Baylor Bears (398) plus the points versus the TCU Horned Frogs (397). Best of luck for us — Frank.

At 7:30 PM ET on Thursday, we will be playing the Tulane Green Wave (314) minus the points versus the SMU Mustangs (313). THE SITUATION: Tulane (8-2) had their five-game winning streak snapped in a 38-31 upset loss at home to Central Florida as a 1-point favorite on Saturday. SMU (6-4) has won four of their last five games after their 41-23 win at South Florida as a 17.5-point favorite on Saturday.

REASONS TO TAKE THE GREEN WAVE MINUS THE POINTS: Tulane should still control their fate to reach the American Athletic Conference Championship Game if they win their final two games. They should play better this week as they have covered the point spread in 4 of their last 5 games after a straight-up win — and they have covered the point spread in 11 of their last 16 games after a point spread. And while they have covered the point spread in five of their last six games, they have then covered the point spread in 13 of their last 15 home games after covering the point spread in four of their last five games. The Green Wave did allow 468 total yards to the Knights on Saturday — but they have covered the point spread in 10 of their last 12 games after allowing 450 or more yards in their last game. They stay at home where they are outscoring their opponents by +16.5 Points-Per-Game and outgaining their guests by +113.5 net Yards-Per-Game. Tulane’s visitors are scoring only 18.7 PPG and generating 314.0 YPG. The Green Wave have covered the point spread in 26 of their last 36 games at home. Furthermore, they have covered the point spread in 7 of their last 8 games against conference opponents — and they have covered the point spread in 5 of their last 6 games against teams with a winning record. Head coach Willie Fritz is getting reliable play from quarterback Michael Pratt. Even in the loss to Central Florida, Pratt completed 23 of 39 passes for 236 yards with three touchdown passes and no interceptions. He has 17 touchdown passes and just four interceptions this season. He leads an offense that ranks 30th in Pass Success Rate. Tulane should have success against this Mustangs’ defense that ranks 117th in Opponent Pass Explosiveness Allowed. SMU also ranks 119th in Opponent Rush Explosiveness Allowed — and they rank 77th in the nation in Opponent Success Rate Allowed overall. The Mustangs’ Achilles’ heel is their defense as they are allowing 32.6 PPG and 446.4 total YPG. The 23 points that the Bulls scored against them were the fewest points allowed this season — they had allowed at least 29 points in each of their previous nine contests. SMU has failed to cover the point spread in 6 straight games on the road after a win by 17 or more points. They have also failed to cover the point spread in 21 of their last 30 games after winning two in a row against conference rivals. The Mustangs have also failed to cover the point spread in 5 of their last 7 games after scoring 40 or more points in their last game.  They have covered the point spread in four straight games — but they have then failed to cover the point spread in 11 of their last 13 road games after covering the point spread in four of their last five games. They have also failed to cover the point spread in 10 of their last 12 games on the road after winning four of their last five games. They stay on the road where they have failed to cover the point spread in 15 of their last 21 games — and they have failed to cover the point spread in 5 of their last 6 road games against teams with a winning record at home. And in SMU’s last 20 games in November, they have failed to cover the point spread in 14 of those games.

FINAL TAKE: Tulane will be motivated to avenge a 55-26 loss at SMU last season as a 14-point favorite on October 21st. The Green Wave have covered the point spread in 8 of their last 9 games when favored by 3.5 to 10 points. 25* CFB Thursday ESPN Game of the Month with the Tulane Green Wave (314) minus the points versus the SMU Mustangs (313). Best of luck for us — Frank.

At 7:00 PM ET on Wednesday, we will be playing the Miami (OH) RedHawks (309) plus the point(s) versus the Northern Illinois Huskies (310). THE SITUATION: Miami (OH) (4-6) has lost three of their last four games after their 37-21 loss to Ohio as a 2-point underdog last Tuesday. Northern Illinois (3-7) snapped a two-game losing streak with a 24-21 upset victory at Western Michigan as a 1-point underdog as a 1-point underdog last Wednesday.

REASONS TO TAKE THE REDHAWKS PLUS THE POINT(S): Miami (OH) still has the opportunity to become bowl eligible if they win their remaining two games. An injury to quarterback Brett Gabbert has held this team back — but he played his best game since returning to the field last week by completing 20 of 26 passes for 244 yards with three touchdown passes and no interceptions last week. The RedHawks were only on the field for 18:40 minutes last week with their defense getting torched for 362 passing yards and 556 total yards by the Bobcats. Miami (OH) has covered the point spread in 4 of their last 5 games after giving up at least 475 yards in their last game — and they have covered the point spread in 16 of their last 22 games after allowing at least 280 passing yards in their last contest. Furthermore, the RedHawks have covered the point spread in 4 of their last 5 games after giving up 375 or more yards in their last contest. Additionally, Miami (OH) has covered the point spread in 11 of their last 15 games after a straight-up loss — and they have covered the point spread in 5 of their last 7 games after a loss to a conference rival. And in their last 6 games after a point spread, the RedHawks have covered the point spread all 6 times. Now they go back on the road where they have covered the point spread in 9 of their last 13 road games against teams with a losing record at home. Miami (OH) should play better on defense this week — they rank 17th in the nation in Opponent Finishing Drive. The Huskies run the ball on 60.3% of their snaps from center — but the RedHawks have a good run defense. Miami (OH) ranks 22nd in the nation by holding their opponents to just 3.5 Yards-Per-Carry — and they have held four of their ten opponents to under 100 rushing yards. Northern Illinois registered their second victory against an FBS opponent last week — but they have failed to cover the point spread 5 straight games after a win on the road. The Huskies have also failed to cover the point spread in 4 of their last 5 games after a point spread victory. And while they rushed for 220 yards in that contest, they have failed to cover the point spread in 4 straight games after rushing for at least 200 yards in their last game. Northern Illinois has injury issues at quarterback with the team using their third and fourth-string quarterbacks last week. In two starts this season, Evan Cremascoli has four interceptions while completing just 42% of his passes. Head coach Thomas Hammock called on Justin Lynch to quarterback the final winning drive — he ran for 83 yards with a touchdown in the game. But as a passer, Lynch is completing only 50% of his passes this season while averaging only 5.9 Yards-Per-Attempt. The Huskies are giving up 32.0 Points-Per-Game due to a pass defense that ranks 114th in the nation by giving up 8.3 Yards-Per-Attempt. Gabbert should have a good game against this Northern Illinois team that has allowed 28 touchdown passes including at least one in each of the games they have played this season. The Huskies return home where they are just 1-3 this season while giving up 38.0 PPG and 418.8 total Yards-Per-Game. Northern Illinois has failed to cover the point spread in 10 of their last 13 games at home including their last four home contests. They have failed to cover the point spread in 4 of their last 5 home games against teams with a losing record on the road — and they have failed to cover the point spread in 6 of their last 8 home games as an underdog.

FINAL TAKE: Miami (OH) has covered the point spread in 7 of their last 8 meetings against the Huskies. 10* CFB Wednesday Daily Discounted Deal with the Miami (OH) RedHawks (309) plus the point(s) versus the Northern Illinois Huskies (310). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the Wake Forest Demon Deacons (126) minus the points versus the North Carolina Tar Heels (125). THE SITUATION: Wake Forest (6-3) got upset in the second-straight week after a 30-21 upset loss at North Carolina State as a 3-point favorite on Saturday. North Carolina (8-1) has won five games in a row after a 31-28 win at Virginia as a 7.5-point favorite last Saturday.

REASONS TO TAKE THE DEMON DEACONS MINUS THE POINTS: Wake Forest got upset the previous at Louisville by a 48-21 score as a 3-point road favorite. Turnovers have crushed this team in the two losses — they have 11 giveaways and a -10 net turnover differential in the two upset losses. The Demon Deacons have rebounded to cover the point spread in 4 of their last 5 games after a straight-up loss — and they have covered the point spread in 5 of their last 6 games after a point spread loss. Returning home will help with the mistakes — they have covered the point spread in 11 of their last 14 games at home. They have also covered the point spread in 8 of their last 9 home games against ACC rivals. North Carolina has failed to cover the point spread in 13 of their last 20 games after a straight-up win — and they have failed to cover the point spread in 10 of their last 12 road games after playing a conference opponent. The Tar Heels have an explosive offense that has gained at least 455 yards in five straight games. The Tar Heels have failed to cover the point spread in 5 of their last 6 games after gaining at least 450 yards in their last game — and they have failed to cover the point spread in 9 of their last 12 games after gaining at least 450 yards in two straight games. Additionally, North Carolina has failed to cover the point spread in 5 of their last 7 games after gaining at least 450 yards in three straight games — and they have failed to cover the point spread in 6 of their last 8 games after gaining at least 450 yards in four straight games. They stay on the road where they have failed to cover the point spread in 9 of their last 14 games. And in their last 7 games in November, the Tar Heels have failed to cover the point spread in 5 of these contests.

FINAL TAKE: Wake Forest will be motivated to avenge a 58-55 loss in Chapel Hill against North Carolina last year — and the Tar Heels have failed to cover the point spread in 4 of their last 5 games in Winston Salem against the Demon Deacons. 10* CFB Saturday Night Discounted Deal with the Wake Forest Demon Deacons (126) minus the points versus the North Carolina Tar Heels (125). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the Texas Longhorns (200) minus the points versus the TCU Horned Frogs (199). THE SITUATION: Texas (6-3) has won four of their last five games after their 34-27 win at Kansas State as a 3-point favorite last Saturday. TCU (9-0) continued their unbeaten season with their 34-24 win against Texas Tech as a 9-point favorite on Saturday.

REASONS TO TAKE THE LONGHORNS MINUS THE POINTS: Texas has lost three games this season — and they are still laying a touchdown against an unbeaten Horned Frogs team that is currently fourth in the College Football Playoff rankings. Since 1979, there had been six teams with three or more losses who were listed as a favorite against a team with a 9-0 or better record — and none of those teams were laying more than a field goal. This game presents the fifth time in the College Football Playoff era that a top-five team was listed as an underdog against an opponent not ranked in the top ten. Why are the Longhorns favored? For starters, the laptops love them. They have played well in all their games, win or loss, including impressive performances in terms of efficiency against Alabama and Oklahoma. Their three losses were by a combined 11 points. They lead the nation by generating 7.5 Yards-Per-Play — and they are 7th in the FBS by scoring 3.2 Points-Per-Drive. They are led by running back Bijan Robinson who ran the ball 30 times for 209 yards last week against the Wildcats — and Texas has covered the point spread in 7 of their last 10 games after rushing for at least 200 yards in their last game. The Longhorns generated 466 yards last week — and they have covered the point spread in 7 of their last 10 games after gaining at least 450 yards in their last contest. And while Texas gave up 329 passing yards to Kansas State, they have then covered the point spread in 33 of their last 51 games after allowing at least 325 passing yards in their last contest. The Longhorns still have the better defense in this game — they have not allowed more than 21 points in six of their nine games this season (including the Crimson Tide). TCU sports a big-play offense that leads the nation with 13 touchdowns of 40 or more yards — but Texas has only allowed seven gains of 40 or more yards this season, ranking 3rd in the Big 12. The Longhorns also rank 9th in the nation in pass rush — and the Horned Frogs rank just 85th in the nation in pass blocking. After playing their last two games on the road, Texas returns home to Texas Memorial Stadium where they are holding their opponents to just 18.2 Points-Per-Game while outscoring their opponents by +16.6 net PPG. The Longhorns have covered the point spread in 17 of their last 24 games after playing their last two games on the road. They have covered the point spread in 5 of their last 6 games at home — and they have covered the point spread in 15 of their last 22 home games with the Total set in the 63.5 to 70-point range. Furthermore, Texas has covered the point spread in 25 of their last 37 games with the Total set in the 63.5 to 70-point range including five of these last six circumstances. TCU has been fortunate to play three opponents who were using backup quarterbacks due to injuries. They have rallied to win four of their nine games after fourth quarter deficits. The Horned Frogs have allowed at least 24 points in seven straight games. They rank 121st in Opponent Finishing Drives and 60th in Points Allowed Per Drive. And while Texas is vulnerable to good pass rushes by ranking 114th in the nation in Pass Blocking, TCU is just 109th in the FBS in Pass Rush. They go back on the road where they are giving up 27.3 PPG and 448.5 total YPG. They have failed to cover the point spread in 5 of their last 6 road games as an underdog. And while they allowed 157 passing yards last week, they have then failed to cover the point spread in 5 of their last 7 games after not allowing more than 170 passing yards in their last contest. Max Duggan has been quite efficient under center for this team, the senior suffered a calf injury two weeks ago in their game against West Virginia. In the last two weeks, Duggan has only rushed for 20 yards from designed running plays with his calf seeming to limit his mobility.

FINAL TAKE: TCU’s first-year head coach Sonny Dykes was notorious for the “Sonny swoons” in November in his previous stop at SMU. His Mustangs teams from 2019-2021 had a 21-3 straight-up record before November 1st but a 4-8 record after that date. With TCU controlling their destiny to the college football playoff, the pressure is on — and their bubble is at risk of bursting in this night game in Austin where ESPN College Game Day sets up shop this week. 25* CFB Big 12 Game of the Year with the Texas Longhorns (200) minus the points versus the TCU Horned Frogs (199). Best of luck for us — Frank.

At 8:00 PM ET on Friday, we will be playing the Cincinnati Bearcats (119) minus the points versus the East Carolina Pirates (120). THE SITUATION: Cincinnati (7-2) rebounded from their loss at Central Florida with a 20-10 victory against Navy as an 18.5-point favorite last Saturday. East Carolina (6-3) has won three in a row after their 27-24 upset win at BYU as a 3-point underdog back on October 28th.

REASONS TO TAKE THE BEARCATS MINUS THE POINTS: Cincinnati held the Midshipmen to just a field goal in the first half last week — and they have covered the point spread in 6 of their last 8 games after not allowing more than three points in their last contest. They have also covered the point spread in 6 of their last 8 games after not allowing more than 20 points in their last game —  and they have covered the point spread in 9 of their last 13 games after not allowing more than 14 points in their last contest. The Bearcats have not covered the point spread in four straight games — but they have covered the point spread in 9 of their last 12 games after not covering the point spread in four straight games. They generated 6.64 Yards-Per-Play against Navy — and they have covered the point spread in 8 of their last 9 home games after averaging at least 6.25 YPP in their last contest. Cincinnati is 4-0 at home with an average winning margin of +22.0 PPG and an average net yardage differential of +117.3 net Yards-Per-Game. They are scoring 39.0 PPG at home with a 423.8 net YPG mark. Senior quarterback Ben Bryant completed 25 of 35 passes for 299 yards with two touchdowns and zero interceptions. The former backup to Desmond Ridder who transferred to Eastern Michigan to play for a year before returning to the Bearcats is finding his rhythm running the offense. He threw for 298 yards in the loss to the Knights two weeks ago. Cincinnati is 6-2-1 ATS in their last 9 games after passing for at least 280 yards in their last contest. The Bearcats have covered the point spread in 11 of their last 16 games at home — and they have covered the point spread in 4 of their last 5 home games against teams with a winning record on the road. They have also covered the point spread in 16 of their last 25 home games when favored by 3.5 to 7 points. They have also covered the point spread in 7 of their last 9 games against teams with a winning record. East Carolina has pulled off two straight upset victories — but they have failed to cover the point spread in 41 of their last 63 games after a win on the road including failing to cover the point spread in four of these last five circumstances. They did rush for 244 yards against the Cougars last week — but they are 0-3-1 ATS in their last 4 games after rushing for at least 200 yards in their last game. The Pirates have generated 6.74 YPP and 7.31 YPP in their last two games — but they have failed to cover the point spread in 15 of their last 20 games after generating at least 6.25 YPP in two straight games. East Carolina has not committed a turnover in three straight games — but they have failed to cover the point spread in 7 of their last 9 games after not committing a turnover in two straight games. They face a challenge from this Bearcats pass defense that ranks 20th in the nation in Opponent’s Pass Success Rate Allowed and 7th in Havoc Rate while leading the American Athletic Conference in sacks. The Pirates stay on the road where they are allowing 411.3 YPG. East Carolina has failed to cover the point spread in 3 of their last 4 road games with the Total set in the 49.5-56 point range. Furthermore, the Pirates have failed to cover the point spread in 5 of their last 7 games in conference play — and they have failed to cover the point spread in 9 of their last 11 games played on a Friday night.

FINAL TAKE: East Carolina has failed to cover the point spread in 9 of their last 12 games against the Bearcats — and they have failed to cover the point spread in 6 straight games at Cincinnati. 25* CFB Friday ESPN2 Game of the Year with the Cincinnati Bearcats (119) minus the points versus the East Carolina Pirates (120). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the Georgia Bulldogs (400) minus the points versus the Tennessee Volunteers (399). THE SITUATION: Georgia (8-0) continued their unbeaten season with their 42-20 victory in Jacksonville against Florida as a 23.5-point favorite last Saturday. Tennessee (8-0) is undefeated this season after their 44-6 win against Kentucky as a 10-point favorite last Saturday.

REASONS TO TAKE THE BULLDOGS MINUS THE POINTS: This is the third meeting between the Associated Press number one and number two ranked teams in a regular season game since 2006. Only twice previously has the AP’s second-ranked team been an underdog of more than seven points. Tennessee is ranked second in the AP poll given their dynamic offense that Alabama was not able to slow down. But the Volunteers only beat a Gators team that Georgia just decimated by a 38-33 score. Tennessee needed overtime to beat a mediocre Pittsburgh team on the road earlier in the season. Now after signature wins at home against Florida and Alabama, the Volunteers look to continue their breakout season after not enjoying a ten-win season for over a decade. It may be difficult for this team to avoid getting their bubble burst now playing in a hostile environment. As it is, Tennessee has failed to cover the point spread in 22 of their last 30 games after a win by 20 or more points — and they have failed to cover the point spread in 7 of their last 9 games after a win at home by 17 or more points. They have failed to cover the point spread in 7 of their last 9 games after not allowing more than 20 points in their last game — and they have failed to cover the point spread in 5 of their last 7 games after not allowing more than 14 points in their last contest. And while they held the Wildcats to just 98 passing yards last week, they have then failed to cover the point spread in 10 of their last 13 games after not allowing more than 170 passing yards in their last game. The Volunteers have covered the point spread in seven of their eight games this season - but they have then failed to cover the point spread in 7 of their last 9 games after covering the point spread in six or seven of their last eight games. They go back on the road for just the third time this season where they have not been as dynamic on offense. Their 37.0 Points-Per-Game and 459.5 Yards-Per-Game in their two road games is impressive — but it is still -12.4 PPG and -93.6 YPG below their season averages. The canary in the coal mine may be the 27 points they were held to at Pittsburgh against the Pat Narduzzi-coached Panthers defense (that is not elite this season). Tennessee has failed to cover the point spread in 9 of their last 12 games as an underdog — and they have failed to cover the point spread in 4 of their last 5 road games as an underdog. The Volunteers have a good front seven that defends the run well and gets pressure on the quarterback. But the weakest unit in this game will be the Tennessee secondary which is more vulnerable after the season-ending injury to senior cornerback Warren Burrell. The Volunteers give up 301 passing YPG — and they rank 87th in Opponent Pass Success Rate Allowed. They rank 55th in the nation in Opponent Quarterback Rating. They are 126th in the nation by allowing 33 pass plays of 10 or more yards. They also rank 80th in Yards Allowed Per Drive. They are giving up 385.5 YPG when on the road. Now they play the defending national champions who lead the nation's Passing Success Rate on both standard downs and passing downs. Led by sixth-year senior Stetson Bennett at quarterback, the Bulldogs lead the nation in Success Rate on offense — and they are 5th in the nation in Points-Per-Drive. Georgia also leads the nation by scoring on 97.87% of their drives inside the red zone. Bennett has the best tight end duo at his disposal in Brock Bowers and Darnell Washington who have combined for 50 receptions and 879 yards. The Bulldogs have an emerging star at running back as well in sophomore Dijon Edwards who has averaged 7.0 Yards-Per-Carry with six touchdowns in the last three weeks. The Bulldogs have scored at least 39 points in six of their eight games. Georgia has not allowed more than 22 points in a game this season — and they have held five of their opponents to 10 points or less. The Bulldogs have the talent in the secondary to slow down the Volunteers' passing attack. Kelee Ringo is an elite man-to-man cover cornerback. Cornerbacks Kamari Lassiter and Daylen Everette often get the man-to-man assignments next to Ringo — and they have combined to allow only 12 receptions on 30 pass attempts with two interceptions. Furthermore, slot cornerback Javon Bullard and free safety Christopher Smith are the top-two graded defensive backs in man-to-man coverage skills with neither missing a tackle in the over 250 snaps they have played this season. Overall, Georgia is second in the nation by allowing 10.5 PPG — and they are giving up only 262.3 YPG. The sack rate is not nearly as high as it was last season — but defensive tackle Jalen Carter has played through injuries this season and may be ready to break out. Carter was widely considered the best player on the Bulldogs' defense last season. Georgia has looked vulnerable at times this year with listless efforts against Missouri and Kent State — but don’t forget the thorough 49-3 shellacking they gave Oregon to begin the season. I suspect the Bulldogs were simply flat in the underwhelming efforts earlier in the year. But they have covered the point spread in 22 of their last 29 games after a point spread loss — and they have covered the point spread in 8 of their last 10 games after a win where they did not cover the point spread in as the favorite. And while they gained 555 total yards against the Gators, they have then covered the point spread in 21 of their last 29 games after gaining at least 450 yards in their last contest. They host this game at Sanford Stadium where they have won all four of their games by an average winning margin of +34.3 PPG. The Bulldogs' defense holds their guests to just 8.0 PPG and 204.5 YPG at home — and three of their four visitors were held to 10 points or less. They are also scoring 42.3 PPG and averaging 522.0 YPG at home. They have covered the point spread in 13 of their last 19 home games against teams with a winning record on the road.

FINAL TAKE: The Georgia ceiling is higher than what this Tennessee team is capable of — as demonstrated by their wins against Oregon this season as well as their double-digit victories against Michigan and Alabama in the playoffs last year. The Bulldogs crushed the Volunteers in Knoxville last year by a 41-17 score in a game where they registered six sacks and nine tackles for loss. Tennessee has failed to cover the point spread in 5 of their last 6 meetings against Georgia. 25* CFB SEC Game of the Year with the Georgia Bulldogs (400) minus the points versus the Tennessee Volunteers (399). Best of luck for us — Frank.